Getting a Quote & Buying

PolicyAdvisor generates a life insurance quote in minutes: you pick the type of coverage you want and provide a few quick detailsabout yourself, and the platform shows you real prices from trusted Canadian insurers. It is free, instant, and done entirely online in Canada. There is no paperwork and no waiting for someone to call you back.

Yes. PolicyAdvisor charges you nothing to get quotes, compare insurance options, or talk to a licensed advisor. The only money that ever changes hands is the premium you pay your insurer once you choose a policy. No service fees or markupsare ever layered on top by PolicyAdvisor.

Yes, a quick account is set up as part of getting your personalized quotes. It only takes a moment, and it lets PolicyAdvisor save your progress so you can step away and return to your quotes without starting over. Your details are stored securely and are never sold.

Online quotes are solid estimates based on the details you provide, and for many people the number barely moves. The final premium is confirmed once the insurer reviews your full application and any health information. Accurate answers up front mean your quote will usually be very close to what you actually pay.

Insurance is priced on risk, so your age, sex, health, and lifestyle are what allow PolicyAdvisor to quote a real number instead of a rough guess. Answering these questions build an insurability profile, sothe algorithm instantly matches you to the policies you actually qualify for. The more accurate your answers, the more accurate your quote.

The PolicyAdvisor calculator asks a few simple questions and recommends exactly the amount of coverage you and your family require. PolicyAdvisor does not earn more for selling you the biggest policy on the shelf, so there is no incentive to oversell. If you prefer personalized assistance, a licensed advisor can help you land on the right number at no cost.

PolicyAdvisor helps you assess your needs, choose the right coverage amount, customize your quote against your insurability profile, and compare insurers side by side. Once you pick one, a licensed advisor helps you complete the application and submit it to the insurer.

Basic personal and health details are enough to get started with most applications. Some policies ask for identification or a few financial details, and your advisor will flag anything specific before you need it. Everything you share goes into a secure database, and the PolicyAdvisor team reviews it with you before it goes anywhere.

Yes, depending on the specific product. For travel and Visitors to Canada insurance, the answer is often yes, from quote to comparison to purchase without ever leaving your browser. For most life insurance policies, you complete the quote, comparison, and start of the application online, then a licensed advisor helps finalize and submit it to the insurer. All services provided by PolicyAdvisor are completely free of charge.

Once you submit, the insurer takes over and begins underwriting, which is how they assess your risk and set your final premium. The insurer reviews your health, lifestyle, and medical history, and for a fully underwritten policy may arrange a short medical exam. The underwriter then makes a decision: approved as applied for, approved at a higher rate, or in some cases declined. If approved, you pay your first premium and coverage goes active. 12.

Yes, non-Canadian citizens can get life insurance coverage. Some insurers cover people here on a work permit or a student visa, not only citizens and permanent residents. The options depend on your status and how long you have been in Canada, so it is worth getting a quote or asking an advisor to match you with the insurers most likely to grant approval.

Yes, you can easily save your progress while generating quotes. You do not have to complete the entire process in a singlesession, so you can compare options on PolicyAdvisor, step away, and return later. Once you transition into the formal application stage, a licensed advisor will guide you through that specific process.

No, a medical exam is not always required to secure coverage. Many policies need no medical exam at all, including no-medical, simplified issue, and guaranteed issue plans. For most term and life applications, the health step is often just a phone interview about your history, and a full medical exam is only needed in some cases. When you get a quote, PolicyAdvisor shows you which options skip the exam, so you can make an informed choice.

If your chosen policy requires a medical exam, the insurer arranges a paramedical visit at a time and place that works for you. A trained examiner checks your height, weight, and blood pressure and takes a blood and urine sample. It usually takes about half an hour, it is free, and the examiner can come to you rather than you travelling to a clinic.

Underwriting is how the insurer reviews your application and decides your risk, and therefore your final price. The insurer looks at your age, health, and lifestyle, sometimes with a medical exam and sometimes without. It is the step that turns your estimate into a confirmed offer.

A no-medical or simplified policy can be approved in minutes to a few days, since there is no exam to schedule or results to review. A fully underwritten policy with a medical exam can take a few weeks, because the insurer waits on those results before making a decision.

No, a single health condition rarely prevents you from securing life insurance. Different insurers weigh the same condition very differently, and some specialize in exactly the cases others shy away from. Because PolicyAdvisor compares a wide range of insurers at once, it can often find a company comfortable with your health even if another provider has declined you.

Yes, and full disclosure genuinely works in your favour. Answering application questions honestly ensures that your policy pays out seamlessly when a claim is eventually filed. Omitting health detailsto get a lower price can give the insurer a reason to deny a future claim, so providing straightforward answers is the absolute best way to protect your beneficiaries.

Approval time depends on the policy. No-medical and simplified plans can be approved in minutes to a few days, while a fully underwritten policy with a medical exam can take a few weeks. PolicyAdvisor has cut typical application times from the old one to four months down to one to four weeks.

Yes, denial can happen, but a no from one insurer is not a no from all of them. Companies assess risk differently, and some offer no-medical or guaranteed issue policies designed for people who have been turned away elsewhere. Because PolicyAdvisor has partnered witha wide range of insurers, it can often find a yes where a single company gave you a no.

Your coverage begins once the policy is issued and your first premium is paid, which puts the policy in force. Some insurers offer temporary coverage while your application is still being reviewed. Your advisor will confirm the exact start date so there is never a gap you did not know about.

Once your application is approved, the insurer formally issues your policy and you set up how you want to pay. Once that first premium goes through, your coverage is live and the people you named as beneficiaries are protected. You will get your policy documents to keep, and you can revisit your coverage with PolicyAdvisor whenever life changes.

A quote is an estimate, and the price is locked in only once the insurer finishes reviewing your application. If everything you disclosed matches what the insurer finds, your price usually holds. It can shift if underwriting uncoversnew medical information, which is why providing honest answers upfront minimizes any pricing surprises.

Yes, and there is a built-in safety net for it. Life insurance policies in Canada come with a free-look period, usually around ten days after you receive the policy, during which you can cancel for a full refund of anything you paid.

Once you have your quotes, you can select any two insurers and put them side by side, company details and policy specifics together in one view. It is the whole idea behind the PolicyAdvisor approach: 30+ insurers, one way to compare and save.

Going directly to an insurer locks you into one company's specific products and pricing. Through a broker like PolicyAdvisor, you compare 30+ insurers side by side, pay the exact same premium you would have paid the insurer yourself, and get ongoing support after you buy, for example to update a beneficiary or change a payment method.

PolicyAdvisor ensures you get the best price by exposing you to the entire market rather than a single company's rate card. The algorithm searches hundreds of products across trusted Canadian insurers and lets you compare them directly, so the competitive price rises to the top on its own. Premiums are set by the insurers and are the same whether you buy through PolicyAdvisor or directly, so comparing is how you save.

Start with the PolicyAdvisor needs check-up, which walks you through what kind of coverage suits your situation before you look at a single price. It is designed for people who are not sure where to begin. If you prefer direct human assistance, you can book a free consultation with a licensed PolicyAdvisor expert who will guide you from start to finish, ensuring no question goes unanswered.

No. Quotes and advice from PolicyAdvisor come with no cost and no obligation. You can compare your options, ask questions, sleep on it, or walk away entirely. You only move forward if and when a policy genuinely feels right to you.