What is Cover Direct Life Insurance?

Cover Direct Life Insurance is a type of protection that provides a cash amount for your loved ones if you pass away unexpectedly. Which means your family will have financial support when it’s needed most. Managing a family is a full-time job, so we make it easy to tick life insurance off your to-do list. If you’re living in British Columbia, you can get a free quote in minutes. Even better, you don’t need to fill out long forms or go through a broker. Here are some of the key features of our Life Insurance policy:

  • Coverage from as little as $9.66 per month1
  • Available for Canadian residents aged 18-70 at time of application2
  • No medicals or blood tests for approval – we only ask a few health and lifestyle questions
  • Get up to $1.5 million of coverage depending on your age and personal circumstances

You can get insurance coverage with just a simple phone call with our friendly Canadian call centre – no need to go through brokers.

cover-direct-ca-square-tvc-paul-05.png

Why choose Cover Direct?

  • We are Canada’s most trusted direct life insurance provider*
  • Easy to apply – You can get coverage with a quick and easy process
  • No medicals or blood tests for approval, just a few health and lifestyle questions
  • Optional extra coverage – Get additional financial protection for your family with optional critical illness coverage and children’s coverage
  • Terminal Illness coverage – If you’re diagnosed with a terminal illness, you could receive your full benefit amount upfront3 to help keep life on track
  • No need to go through brokers – You can get insurance coverage with just a simple phone call with our friendly Canadian call centre
  • Easy claims process – We aim to make the process as easy and straightforward as possible
  • Worldwide coverage – You get 24/7 protection, wherever you are
  • Immediate protection – You could be covered from day one, so you can get on with more important things4
  • Flexibility – apply to make changes with excellent ongoing customer service

Get your quote

Enter your details to get your free Cover Direct Family Life Insurance quote.

You must be between 18 and 70 years old to apply.
  • Ontario
  • Alberta
  • British Columbia
  • Manitoba
  • New Brunswick
  • Newfoundland and Labrador
  • Northwest Territories
  • Nova Scotia
  • Nunavut
  • Prince Edward Island
  • Saskatchewan
  • Yukon
By clicking “Get a Quick Quote”, you agree to a human or virtual assistant contacting you by phone and electronic message about your quote. Please read our terms of use and privacy policy, for more information.

Service you can trust

As the most trusted direct life insurance provider in Canada*, we’re proud to say that we’ve been rated ‘Excellent’ on Trustpilot after thousands of independent reviews. We've also got excellent ratings on Google, REVIEWS.io and Feefo, where we’ve won the Gold Trusted Service Award.

Award Image
Award Image
Award Image
CD_NewHome_Inpage_fullwidth.jpg

Protection that works for you

Buying the right life insurance can seem challenging if you’re not sure what’s out there. That’s where we can help. Let’s break down the policy options we offer, and why they might suit you.

Term life insurance

Term life insurance is a type of protection that is in place for a set number of years. With Cover Direct, you could choose a term between 10 and 30 years, depending on your age. If you die during this term your loved ones will receive a cash amount. This type of insurance is useful if you want protection for a set period of time, or you want cover with a fixed benefit amount and premium, to budget accordingly.

Age-based life insurance

An age-based life insurance policy is designed to give you coverage for the remainder of your life. With an age-based policy, your benefit amount could increase by 3% each year, and your premiums are recalculated annually to reflect your age and any applicable benefit amount increases (as described in more detail in the policy terms and conditions). These changes can help your cover keep up with inflation. With this policy type, your loved ones will get a cash lump sum when you die as long as you keep up with your monthly payments.

Get Life Insurance with Cover Direct in one simple call. 

*

Based on ratings on multiple reviews platforms compared to direct competitors since 2022. See coverdirect.ca/reviews for more details.

1

For a 32-year-old female non-smoker with age-based premiums and $100,000 of coverage.

2

Available to Canadian residents aged 18-70 only. Not yet available in Quebec.

3

Terminal Illness (with 12 months or less to live) must be diagnosed by a medical specialist. Terms and Conditions apply.

4

Depending on your health at the time of applying. Suicide is not covered for the first 24 months. Waiting periods may apply to the optional children’s coverage and critical illness coverage. Terms and Conditions apply.