What is Family Life Insurance?

Cover Direct Family Life Insurance is a simple way that you can help financially protect your family’s future. Depending on your age, you could get up to $1.5 million worth of coverage that could be used to help your loved ones pay for your funeral, tax bills, and other debts if you were to pass away.

Exclusively offered by Cover Direct, Family Life Insurance is available for all Canadian residents aged 18 to 70.¹ You can only get coverage directly through us, which means you’re free to get the protection you want, when you want it.

Easy to arrange

No medicals, health checks or added stress. Just some health and lifestyle questions over the phone. Speak to our trusted advisors and set up your policy in a matter of minutes.

Affordable Cover

Simple life insurance with a lump sum amount and monthly premiums from as little as $9.66 per month³.

Excellent service

We are Canada’s most trusted direct life insurance provider*. Enjoy a pressure-free service from our team of specialists.

How it works...

Getting coverage with Cover Direct is simple and straightforward. We will help you choose a benefit amount and a premium you can afford, so that you can secure a Family Life Insurance policy that meets your needs. Our cover offers both level premium and age-based policies - for level policies, you can select a term between 10 and 30 years (depending on your age) for your protection to be in place. During this term, your benefit amount and premium will remain fixed. If you die during this term, your loved ones will receive a cash amount.

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 die⁵ as long as you keep up with your monthly payments.

Why choose Cover Direct?

Easy to apply – You can get coverage with a quick and easy process⁵
No medicals or blood tests for approval – We only ask just a few health and lifestyle questions
Get up to $1.5 million of coverage depending on your age and personal circumstances
Affordable coverage – Our protection starts from as little as $9.66 per month³

Please refer to our T&Cs for more detail.

Optional coverage

Life is full of surprises and unfortunately, not all of them are good. Preparing for every possibility could help you keep family life on track if the worst were to happen. If you would like greater peace of mind, we can discuss some of the optional extras with you.

Children's coverage⁵

This protection could help you cover things like medical expenses if your child were to suffer from a specified serious injury or illness. It also covers your child in the event of accidental death.

Critical Illness Insurance

This protection will provide a lump sum payment should you suffer from a specified serious illness⁴. You can include an additional coverage amount of $50,000 in your Cover Direct Family Life Insurance policy. If you make a claim and it’s accepted, the cash amount you receive will be deducted from your total benefit amount.

Protect your family today with Cover Direct

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

Coverage amount is age dependant. Terms and conditions apply.

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

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

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.

Where the child’s death occurs within 90 days of the accident as per definitions provided and in accordance with policy terms and conditions.