Life Insurance with Medical Conditions quote

Routed to our Medical underwriting desk

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Amount

Coverage amount

Tax-free lump sum for your family or mortgage. Not sure?

$500,000

Policy horizon

Term length

How long your premium stays level.

10 yearsradio_button_unchecked Short-term debts or kids finishing school. Most popular 20 yearscheck_circle Matches a typical mortgage and child-raising years. 30 yearsradio_button_unchecked Young families who want one policy to retirement. To age 65radio_button_unchecked Level coverage to your expected retirement.

Profile

About you

Used only to calculate your estimate and match a licensed advisor.

Your age

Province / territory

City (optional)

Postal code (optional)

Sex at birth (insurer pricing tables)

Nicotine, tobacco or vaping (12 months)

When do you need coverage?

As soon as possible Within 30 days Within 3 months Just researching

Almost done

Where should we send your quotes?

Your estimate range: $20.50–$29.50/mo. We’ll email your results and an advisor licensed in your province will confirm real insurer quotes.

First name

Last name

Phone (recommended)

Best time to reach you

Preferred language

Yes, email me my quote summary, reminders and helpful insurance information from Instasure.ca. I can unsubscribe at any time. (Optional — your estimate is sent either way.)

By submitting, you agree we may share your details with an advisor licensed in your province to respond to your request, as described in our privacy policy. Estimates are not offers of insurance.

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Fast-track options

You may qualify for no-exam approval

Many healthy applicants under 50 can be approved on health questions alone — no blood tests or nurse visit.

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Options you’ll compare

FastestInstant / no-exam term

$26.22/mo

Lowest priceFully underwritten term

$22.79/mo

Most flexibleConvertible term + riders

$27.44/mo

Example: 35-year-old female, non-smoker, $500,000 Term 20 · October 2026

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We never sell your information. It goes only to the licensed advisor handling your request.

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Complex health history or questions?Talk to a licensed advisor

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