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Guaranteed future insurability at today’s price.
Children rarely need life insurance for income replacement. Parents buy it mainly to lock in coverage while the child is healthy, often with options to buy more later without medical questions, and sometimes to build cash value.
A child rider on a parent's policy is a cheaper alternative for basic coverage. Critical illness coverage for children is another option many parents consider.
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Who it’s for
Coverage
Lifelong coverage with level premiums.
Buy more coverage later without medical evidence, within limits.
Low-cost coverage on a parent's policy.
A lump sum if a child is diagnosed with a covered condition.
Before you buy
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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.
Learn before you buy
Term life gives the most coverage per dollar for a set period, while whole life covers you for life and builds cash value at a much higher price. Here is how to decide.
Read guide arrow_forwardExample term life prices by age, sex, smoking status, coverage amount and term length, from the Instasure estimate model, plus the factors that move your price and ways to lower it.
Read guide arrow_forwardBank mortgage insurance pays your lender a shrinking amount, while personal term life pays your family a level benefit and moves with you. Here is how to compare them at renewal.
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