What is Cover Direct Term Life Insurance?

Term Life Insurance is protection that’s put in place for a set number of years. With Cover Direct, you 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 amount6. This type of life insurance can help your family manage things like car repayments, a mortgage or even living expenses after you are gone. Here are some key features of our Term Life Insurance policy:

  • Coverage from as little as $9.66 per month1
  • Available for all Canadian residents aged 18-702
  • 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

You can get a quote over the phone directly from us in a matter of minutes. Our straightforward, easy to understand Term Life Insurance can be purchased in just a few minutes.

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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 process3
  • Exclusive to Cover Direct – Term Life Insurance is available exclusively from Cover Direct
  • Optional extra coverage – We offer Critical Illness Insurance and children’s coverage, so you can help prepare your family for whatever the future might hold
  • Terminal Illness coverage – If you’re diagnosed with a terminal illness, you’ll receive your full benefit amount upfront4 to help keep life on track
  • Local experts – Our experienced call centre is based right here in Canada
  • 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 – Your coverage starts from day 1, so there’s no waiting period5
  • Flexibility – You can apply to make changes with excellent ongoing service and no policy fees!
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Who are you looking to get insurance for?

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.

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How much life insurance do you need?

Buying life insurance might be one of the most important things you do in life. After all, the right cover could make all the difference to your loved ones when it matters most. So, how do you decide how much coverage to get?

   

First, consider your debts. Do you have a mortgage? Loans? Car repayments? Think about much your family would need to help pay for these. Do you want to help provide savings for your children’s education? If so, factor this in too.

 

Depending on your age, you could get up to $1.5 million worth of coverage with Cover Direct. Whatever your needs, we’re here to make it easy to tick life insurance off your to-do list, so you can get back to what really matters.

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The smart way to protect your family is to get Cover Direct

*

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

Policy coverage, limitations and exclusions are subject to the full Terms and Conditions. Not yet available in Quebec

4

A medical professional has to diagnose the terminal illness.

5

Immediate protection starts from day 1 of your policy, excluding death as a result of suicide in the first 24 months. Waiting periods may apply to optional children's coverage and Critical Illness Insurance, as per the policy terms and conditions.

6

Subject to the standard terms and conditions in your policy.