Quote. Compare. Buy & Save on Life Insurance

Canada’s all-in-one place for life insurance comparison and expert guidance for the whole family.

Select one of these popular products to see your quotes

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10-Year Level Term Life

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20-Year Level Term Life

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30-Year Level Term Life

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Mortgage Protection Insurance

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Final Expense Insurance

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Critical Illness 10 Year Level Term

Beyond insurance

Wills & Trusts

Create a will or trust using attorney-approved tools, without paying attorney prices. Starting at just $120. I am text block. Click edit button to change this text. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.I am text block.

We are Canada’s premier online insurance agency

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We’ve helped millions of people

And they actually enjoyed it.

The top five questions people ask us.

We’ve set a high bar to make Policygenius the only insurance site you’ll need. That means we:

  • Offer all the top insurance companies so you don’t have to shop elsewhere
  • Explain what you need to know in plain English so you don’t have to research elsewhere

The insurance industry also hasn’t treated consumers well. This is how we’re different:

  • We don’t require your contact info to get quotes. Unlike other sites, you can shop freely and anonymously here
  • Our team of licensed experts focus on great advice, not pushy sales. They’re salaried, not commissioned, so they’re on your side

Don’t just take our word for it. See what others are saying about their experience working with us by visiting Policygenius reviews on Trustpilot.

As a company, we get paid a commission by insurance companies for policies we sell. But don’t worry: these commissions are already baked into the price of all insurance policies. This means you never pay extra to use our service.

We understand that commissions introduce a potential conflict of interest. But we avoid that conflict by:

  • Being transparent: showing you all quotes from all companies, so that you can decide what to buy (or not to buy)
  • Focusing on advice: every day we publish free resources to help you make smart decisions about insurance. Also, our licensed experts are salaried, not commissioned, so that they can focus on advice and customer service, not sales.
  • Being values-driven: one of our company values is to live by the Golden Rule with our customers and with each other. For example, we could make a lot more money by selling whole life insurance over term life insurance, but we don’t believe that’s the right thing for most consumers. So we don’t do it.

Yes, we’re licensed in all 50 states and Washington, DC. Click here to view our licenses.

No, we’re an independent insurance broker. What that means is that we represent multiple insurance companies and have no bias to recommend one over another. We only work with insurance companies that have at least an A- financial rating – this means you can be confident that you’re buying from a very reputable insurance company. For us it’s important you find the right insurance policy for your needs. When insurance companies compete for your business, you win.

Here’s the deal: you can’t get a cheaper price for a given policy from Insurance Company X from us, from another broker or directly from Insurance Company X. That’s because each insurance company files their prices with the state regulators, and everyone has to use those prices. It’s illegal for us or anyone else to discount that price.

Real human help

Let our people protect your people

Our licensed advisors deal with the insurer so you don’t have to. No AI bots, no robocalls, no salespeople. Just real human help from start to finish.

Insurance simplified

How it works

Learn

Find out everything you ever (or never) wanted to know about insurance. Unbiased advice, without the jargon.

Compare

Compare insurance quotes side by side to find the best option – and save money doing it.

Apply

Apply and buy through Policygenius and let our licensed advisors handle the rest. Free of hassle, free of charge.

Insurance Checkup

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Life Insurance

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Health Insurance

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Our Services

Term Life Insurance

The process is fairly simple, we can shop over 30 term life insurance rates at once. We are impartial which insurance company who you choose to work with. We have one goal and that is to find you the best priced term life insurance policy!

Whole Life Insurance

Get free whole life insurance quotes from multiple life insurance companies. Whole life insurance offers permanent protection, builds cash value, and offers tax deferred growth. Complete our free quote form to get several quotes at once.

Mortgage Life Insurance

Compare multiple mortgage life insurance quotes at once. We can customize a life insurance policy to cover your mortgage(s) in minutes. A life policy designed to cover your mortgage(s) can help protect your home or real estate investments.

Disability Insurance

Disability insurance is all about protecting your paycheque. How long could you live without your paycheque if you become disabled? Disability insurance gives you a monthly income. Let us compare disability insurance quotes for you.

Long-term Care Insurance

Long-term care insurance will cover your expenses in the event of prolonged physical illness, a disability, or a cognitive impairment like Alzheimer’s. We can shop long-term care insurance quotes from 10 different insurance companies.

Guaranteed Life Annuities

An annuity is the only way to make sure you never outlive your savings. You can turn an annuity into a stream of income that last until the day you die. An annuity can also give you tax deferred growth if you are saving for retirement.

Protect the ones you love with life insurance

While nothing can replace you, having life insurance means that if something happened to you, your loved ones would be OK financially. Life insurance is a gift of love.

Video shown above courtesy of Life Happens, a nonprofit organization dedicated to helping people take personal financial responsibility through the ownership of life insurance and related products. IDC Insurance is an affiliate member of Life Happens PRO.

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POLICY HOLDERS

$ 2,311,150,500

UNDER MANAGEMENT

15

YEARS OF SERVICE

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    • Hours of Operation

      Mon - Sat 9:00am - 6:00pm PST

    • National Service Centre

      IDC Insurance Direct Canada Inc.

      4400 Dominion St., Suite 260

      Burnaby, BC V5G 4G3

    • Employee Benefits

      1-866-964-9119

    • Travel/Medical Insurance

      1-866-964-9119

    • Policyholders/Claims

      1-866-747-7615

    • General Fax

      1-604-558-0074

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