Life Insurance explained

If you still have some questions about our Cover Direct Family Life Insurance, you can also read our helpful guides or call us at

What is life insurance?
How does Cover Direct Family Life Insurance work?
What does life insurance not cover?
When should I get life insurance?
Is life insurance from my employer enough?
How long do I pay my premiums for?
What are the benefits of having a life insurance policy?
How much life insurance do I need?
How much does Cover Direct Family Life Insurance cost?
Do you need a medical test to get life insurance?
Will my premiums ever increase?
What does life insurance cover?
How do I protect my life insurance policy from inflation?
Can I get life insurance if I’m a smoker?
Is health insurance the same as life insurance?
Is term life insurance the same as whole of life insurance?
Can I have more than one life insurance policy?
Can I cash in my life insurance policy?
Will my plan be subject to tax?
How can I make changes to my policy?
What happens if I die during my first year?
How do I buy Cover Direct Family Life Insurance?
Can I cancel my policy if I no longer need it?
How do I (or my family) make a claim?
Who gets the money from a life insurance claim?
Do I get any money back when my policy ends?
What happens if I miss any monthly payments?
What is critical illness insurance?
How does Critical Illness Insurance work?
How much does Critical Illness Insurance cost?
What is children’s coverage?
How does children’s coverage work?
How much does children’s coverage cost?



Get the financial protection your loved ones deserve


Available to Canadian residents aged 18-65 only. Not yet available in Quebec.


To be covered, your critical illness must meet one of the definitions contained in our T&Cs, must not be the result of an intentionally self-inflicted injury, and must occur after three months from the start date of your coverage.