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Life, critical illness, home, tenant, car, travel and business coverage — see a realistic price for your profile now, learn exactly what you’re buying, then let an advisor licensed in your province compare insurers for you. No paperwork, no pressure.

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Instant info → instant estimate → licensed advisorInstant digital policies are coming for eligible products.

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Coverage amount $500,000

$100k$1M$2M

Your age

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Estimated premium

$20.50 /mo

Typical range $20.50–$29.50

Many applicants bolt No-exam options

Example: 35-year-old female, non-smoker, $500,000 Term 20 · as of October 2026. Estimate, not an offer.

Insurers across Canada

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One licensed advisor compares plans from Canadian insurers for you. Insurers and products vary by province.

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favorite Life Insurance Protect your family’s income, mortgage and future with term or permanent coverage from leading Canadian insurers. Est. from $20.50/mo^† house Mortgage Life Insurance Make sure your family keeps the house — without overpaying for bank creditor insurance. Est. from $20.50/mo^† monitor_heart Critical Illness Insurance A lump-sum payment after a covered diagnosis like cancer, heart attack or stroke — spend it however recovery requires. Est. from $45.00/mo^† accessible Disability Insurance Monthly income if illness or injury stops you from working — essential for the self-employed. Est. from $113/mo^† medical_services Health & Dental Insurance Prescription drugs, dental, vision and paramedical care that provincial plans don’t fully cover. Est. from $69.00/mo^† flight_takeoff Travel Insurance Provincial health plans cover very little outside Canada. One night in a U.S. hospital can cost thousands. Est. from $28.00 per trip^† family_restroom Super Visa Insurance Meet IRCC’s medical insurance requirement for the Parent and Grandparent Super Visa — with monthly payment options. Est. from $119/mo^† directions_car Car Insurance See what drivers like you pay, then let a licensed advisor compare insurers for you. Est. from $137/mo^† home Home Insurance Coverage built for Canadian risks — water, wind, hail, wildfire and theft. Est. from $107/mo^† apartment Condo Insurance Your corporation’s policy covers the building — not your belongings, upgrades or your share of a large deductible. Est. from $25.00/mo^† key Tenant Insurance Protect your belongings and your liability — and meet your landlord’s lease requirement. Est. from $20.00/mo^† storefront Business Insurance From sole proprietors to growing teams — the coverage clients, landlords and contracts require. Est. from $35.00/mo^† groups Group Benefits Attract and keep great people with a benefits plan sized for teams of 2 to 200. Est. from $170/mo^†

† Lowest modelled estimate for an example profile as of October 2026 (e.g. life: 35-year-old female non-smoker, $500,000 Term 20, Ontario). Estimates are not quotes; your price depends on your details and the insurer.

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Instant information

Plain-language guides, calculators and province-specific rules — written for Canadians and reviewed against regulator and insurer sources.

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When you’re ready, we match you with an advisor licensed in your province who compares insurers, explains the fine print and handles the application.

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Every request is matched with an advisor licensed in your province who compares insurers for you, explains the fine print and handles the application. No cost to you and no obligation to buy.

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Canadian insurance intelligence

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DIME method · 2 minutes

How much life insurance do you need?

Work out your coverage from your mortgage, debts, income, children’s education and existing group coverage.

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menu_book Travel & visitors 9 min read · Updated Oct 13, 2026

Super Visa vs Visitor Visa for Parents: Stay Length, Insurance and Total Cost

A Super Visa lets parents and grandparents stay up to five years at a time but requires private medical insurance, a medical exam and proof of the host's income. A visitor visa is simpler, but most stays are capped at about six months and insurance is optional.

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menu_book Auto insurance 10 min read · Updated Oct 13, 2026

Ontario Accident Benefits Explained: What Each Benefit Pays Now

Since July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here is what each accident benefit pays, who it covers and what could fill the gap if you go without one.

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Local rules, local advisors

Insurance in your province

Auto systems, regulators and local risks differ across Canada. Start with your province.

ON Ontario Private auto market QC Quebec SAAQ + private auto BC British Columbia Public auto (ICBC) AB Alberta Private auto market MB Manitoba Public auto (MPI) SK Saskatchewan Public auto (SGI) NS Nova Scotia Private auto market NB New Brunswick Private auto market NL Newfoundland and Labrador Private auto market PE Prince Edward Island Private auto market YT Yukon Private auto market NT Northwest Territories Private auto market NU Nunavut Private auto market

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Questions Canadians ask us

policyHave a complaint about an insurer?

Start with the insurer’s complaint officer. Unresolved home, auto and business disputes can go to the General Insurance OmbudService; life and health disputes to the OmbudService for Life & Health Insurance.

Are Instasure estimates real quotes?

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No — they are instant, indicative ranges for the example profile shown, built from typical Canadian pricing. They help you budget and compare options in seconds. A licensed advisor then gets actual insurer quotes based on your full details.

How does Instasure make money?

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Insurers pay licensed advisors and brokerages a commission when a policy is placed. In Canada, that commission is built into the insurer’s filed or published rates, so using an advisor typically does not raise your premium. See how we make money for details.

Will I be spammed after getting an estimate?

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No. Estimates don’t require an email. If you ask for a quote or a review, you’ll hear from one licensed advisor — and marketing emails only with your express consent. You can unsubscribe in one click at any time.

Which provinces do you serve?

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Our guides and estimates cover all 10 provinces and 3 territories. Advisor service is available in the provinces where our partner advisors are licensed; if yours isn’t covered yet, you can join the waitlist.

Can I buy a policy instantly online?

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For some products, insurers already offer fully digital applications with decisions in minutes, and your advisor can start one for you. Instant digital policies directly on Instasure are on our roadmap for eligible products.

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