We are Canada’s most trusted direct life insurance provider*

When choosing Cover Direct Family Life Insurance, we understand that our customers are placing significant trust in us. Our goal is to always respect that trust by providing an expert, first-class experience from start to finish – including a fast claims process that you can rely on. As Canada’s most trusted direct life insurance provider*, we pride ourselves on having an ‘Excellent’ rating on Trustpilot. We’re also proud to have high ratings on Google, REVIEWS.io and Feefo, where we’ve received the Gold Trusted Service award based on independent customer reviews. 9 out of 10 of our customers would also recommend us to family or friends.+

Feefo Gold Trusted Service Award 2024

Our policies are provided by Canadian Premier Life Insurance Company, which means you can trust that our coverage is of the highest quality. We value all our customers and will continue to work hard to provide the best possible life insurance experience, and to maintain our standing as Canada’s most trusted direct life insurance provider*.

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customers would recommend us to their family and friends.+

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Why choose Cover Direct?

  • Accessible protection – available for all Canadian residents aged 18-701
  • Affordable rates –  Coverage from as little as $9.66 per month2
  • No medicals or blood tests for approval - we only ask a few health and lifestyle questions
  • Immediate protection - You get coverage from day one3  
  • Easy to apply - Coverage in minutes with our quick and easy process4 
  • Terminal Illness Coverage - Receive your full benefit amount upfront5 if you're diagnosed with a terminal illness 



Help protect your family with Cover Direct


We compare our ratings on multiple platforms against other direct providers who operate exclusively in rest of Canada (excluding Quebec), who provide Family Life Insurance, Over 50s Life Insurance, Funeral Insurance, or Final Expenses Insurance and have been active in advertising on TV in the past 12 months. A direct provider is one who provides coverage directly without acting as a broker or comparison website or aggregator.


We have surveyed Cover Direct Insurance Agency customers, and were delighted that 9 out of 10 would recommend us to family or friends. Neilson Financial Services Inc. has ensured that an appropriate sample size was used, and to the best of our ability, the represented statistic is true and accurate. Survey date: 24th February 2022.


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.


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.


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


Where death is expected within 12 months. A medical professional has to diagnose the terminal illness.