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What is Cover Direct Whole Life Insurance?

Whole Life Insurance is protection that lasts for life. This means that if you keep up with your monthly premiums, your family are guaranteed a cash amount when you die6. This type of life insurance could help with everything from bills to loans, and new clothes to after-school activities for your children. And life could go on, as you would want it. Here are some key features of our Whole Life Insurance policy:  

  • Coverage from as little as $9.66 per month1
  • Available for all Canadian residents aged 18-702 
  • No medicals or blood tests for approval – we only ask a few health and lifestyle questions   
  • Get up to $1.5 million of coverage depending on your age 

Getting coverage with Cover Direct is easy. Instead of waiting around for quotes, filling out long forms or getting a medical, you can get a quote in minutes. Managing a family is a full-time job, so we make it simple to tick life insurance off your to-do list.

Why choose Cover Direct?

  • We are Canada’s most trusted direct life insurance provider*
  • Easy to apply – You can get coverage with a quick and easy process3
  • Exclusive to Cover Direct – Whole Life Insurance is available exclusively from Cover Direct
  • Optional extra coverage – We offer critical illness insurance and children’s coverage, so you can help prepare your family for whatever the future might hold
  • Terminal Illness coverage – If you’re diagnosed with a terminal illness, you’ll receive your full benefit amount upfrontto help keep life on track
  • Local experts – Our experienced call centre is based right here in Canada
  • Easy claims process – We aim to make the process as easy and straightforward as possible
  • Worldwide coverage – You get 24/7 protection, wherever you are
  • Immediate protection – Your coverage starts from day 1, so there’s no waiting period5
  • Flexibility – You can apply to make changes with excellent ongoing service and no policy fees!

Service you can trust

As the most trusted direct life insurance provider in Canada*, we’re proud to say that we’ve been rated ‘Excellent’ on Trustpilot after thousands of independent reviews. We've also got excellent ratings on Google, REVIEWS.io and Feefo, where we’ve won the Gold Trusted Service Award.

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Trustpilot Star Rating
Canada's Most Trusted Direct Life Insurance Provider
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How much life insurance do you need?

Buying life insurance might be one of the most important things you do in life. After all, the right cover could make all the difference to your loved ones when it matters most. So, how do you decide how much coverage to get?    

First, consider your daily expenses. Managing a family can be expensive, how much would your family need to carry on if the worst happened? Do you have loans or car repayments? Think about much your family would need to help pay for these. Do you want to help provide savings for your children’s education? If so, factor this in too.   

Depending on your age, you could get up to $1.5 million worth of coverage with Cover Direct. With the right protection in place, you can have peace of mind knowing that your family has the support it needs if you’re no longer around. 

Protect your family with Cover Direct Whole Life Insurance

*

Based on ratings on multiple reviews platforms compared to direct competitors since 2022. See coverdirect.ca/reviews for more details.

1

For a 32-year-old female non-smoker with age-based premiums and $100,000 of coverage. 

2

Available to Canadian residents aged 18-70 only. Not yet available in Quebec. 

3

Policy coverage, limitations and exclusions are subject to the full Terms and Conditions. Not yet available in Quebec

4

A medical professional has to diagnose the terminal illness.

5

Immediate protection starts from day 1 of your policy, excluding death as a result of suicide in the first 24 months. Waiting periods may apply to optional children's coverage and critical illness insurance, as per the policy terms and conditions.

6

Subject to the standard terms and conditions in your policy.