Canada Protection Plan (CPP) has been around since 1992. Based in Toronto, this insurance company is now under the wing of Foresters Financial. CPP is all about simplified-issue and no-medical life insurance, which means you can apply without having to answer a lot of health questions.

Who can apply?

Pretty much any Canadian between 18 and 80. You can be 79 and still get covered, which feels generous in insurance terms. Applications can be done online or over the phone. And in some cases, you’ll be approved in under 24 hours.

Why people like it

If you’ve got health issues, a risky job, a slightly spicy hobby (hello, amateur skydivers), this is your lane. You don’t need a doctor’s note or a blood test to apply. Just your info and a willingness to talk about term lengths.

Products

Term Life Insurance comes in neat little chunks of 10, 20, 25, or 30 years. Express Elite Term gives up to $750K if you’re in good shape. Simplified Elite Term gives up to $500K and kicks in straight away. Permanent Life Insurance is the “forever” kind.

Things like Simplified Elite Life and Preferred Life stay active for life, build cash value over time, and let you add optional extras, like accident coverage, child term riders, or hospital cash benefits.

People feel positively about Canada Protection Plan. Many reviews agree that CPP is straightforward. They don’t faff around with twenty-page forms or force you to prove your cholesterol levels. Instead, they just let you apply. Online. On the phone. Applications often get approved within a day, and for people with health quirks, weird jobs, or a general fear of medical exams, that’s a huge win. People like that the options are clear. Want term insurance for a specific timeframe? Sorted. Want whole-life coverage that builds some cash over time? That’s in there too.

Blue Cross Life is an insurance company in Toronto, Ontario. If you’re between 18 and 75 and living in Canada, you can apply for their Term Life Insurance in under 20 minutes. You pick a term between 10 and 30 years, choose how much coverage you want (anywhere from $100,000 up to $5. Your monthly premium stays the same the entire time. No surprises. No hidden “oops we forgot to mention” fees.

That’s a separate or add-on thing that gives you up to $1 million if you get diagnosed with one of 44 covered conditions. Full or partial payout, depending on what’s up. Could be cancer, could be a stroke, could be one of those awful-sounding diagnoses that only seem to happen to people in medical dramas. Either way, the money is there to help you recover without also worrying about bills.

Blue Cross Life has a big range of life insurance policies. Term? Yes. Whole? Absolutely. Universal? You bet. Mortgage life, critical illness, guaranteed issue, too. People love that their policy was custom-built for their complicated little life. Blue Cross Life gives you loads of flexibility. However, some reviewers say that claims take ages. People submit all their documents, follow all the steps, and then just... wait. And wait. And wonder if someone is going to respond back. Even small claims may drag.

Scotia Insurance is an insurance agency attached to Scotiabank. Turns out, they also do life insurance. Quite a lot of it, actually. If you’re a Canadian between 18 and 75 and have even considered being a responsible adult, they have something to sell you.

Term Life

Scotia Term Life Insurance gives you coverage for 10, 15, 20, 25, or 30 years, with amounts from $10K to $20 million. Yes. Twenty million. You could insure your whole life and a very well-funded backup life. Premiums stay fixed, so what you sign up for is what you pay. You can renew the policy at the end of the term (though it’ll cost more), or convert it to permanent coverage before you turn 75.

Permanent Plans

Scotia Term to 100 Whole Life Insurance is as dramatic as it sounds. Coverage lasts your whole life. Premiums stop at age 100. You can get anywhere from $25K to $20 million, or as little as $10K if you’re 66–75. Full underwriting required, but it comes with a 10-day money-back guarantee. Just in case you change your mind halfway through panicking.

Accidental Death Coverage

For anyone who wants an extra layer, Scotia Accidental Death Insurance offers up to $350,000 tax-free. If you bank with them, you and your spouse get $5K free for five years. No medical questions. Fixed premiums. You can also add coverage for serious injuries like paralysis, loss of limbs, or senses. Basically, it’s a “what if” bundle that hopes you never need it but works quietly in the background just in case.

If you’re a Scotiabank customer and you wake up one day thinking, “Hmm, maybe I should get life insurance,” then Scotia Insurance is practically designed for you. The application process is smooth. Click here, fill this in, and bam, you’re insured. People like that part a lot. There’s a vibe of “Wow, that was fast,” paired with appreciation for not having to explain your medical history to a stranger. However, ScotiaLife isn’t exactly bursting with options. It’s term life, maybe some critical illness coverage, and that’s pretty much it. Also, you have to be a Scotiabank customer. If you’re not, you’re out of luck.

Redfords Insurance Brokers is based around the Greater Toronto Area and Durham Region. They offer life insurance that’s tailored to you. Not in the “pick your term online and hope for the best” way, but in the “sit down, have a chat, and we’ll figure it out together” way.

One-on-one consultations

They talk through your life stage, whether you’re 22 and full of financial anxiety or 46 with a mortgage and a family. They ask about your goals, your budget, your smoking habits, and how much coverage you actually need Then they suggest life insurance options that make sense. Term, permanent, maybe simplified-issue, depending on what fits. They don’t just push one brand. They work with multiple Canadian insurers, so you get options.

What they are good for

Redfords Insurance Brokers is good for people who want actual advice. They may appeal to families who don’t want to guess what they need or small business owners allergic to salesy nonsense or overly chirpy chatbots.

The consensus on Redfords Insurance Brokers is surprisingly consistent. People trust them. They sit down, listen, and don’t make you feel like you're being upsold a life insurance policy. Their team has a reputation for being clear, kind, and actually giving a damn. Instead of throwing jargon at you and calling it a quote, they explain things. Properly. They also don’t cling to just one insurance company. Which means they’re not there to push a one-size-fits-most policy. They look at career stuff, family stuff, and then help you find something that makes sense.

If you live in the Greater Toronto Area, then Life100 is probably the kind of brokerage you want in your corner. They specialize in life insurance and investment planning. Their team works with individuals, couples, families, and even business owners.

What They Do

Life100 offers one-on-one consultations, either online or in person. They talk through your goals, stage of life, and whether or not you panic every time someone says “retirement". Then, they recommend a strategy that actually makes sense for you. They work with lots of top Canadian insurers, which means you get options. And real ones. Not just “pick A or B.”

Life Insurance Options

They offer term life, which is straightforward, temporary coverage. They also do whole life, which lasts forever and has cash value. Others may be interested in universal life, which is the flexible one. Premiums and death benefits you can tweak. And finally, the no-medical life insurance asks no health questions. They just provide coverage without exams.

Life 100 makes life insurance easy. People say the team explains policies clearly, answers questions without making you feel like you’ve asked something stupid, and responds to requests like it’s a pleasure. Their strength is in the personal approach. The advisors don’t just sell coverage. They actually talk to you like a person. They take the time to walk you through your options, whether you're new to life insurance or just trying to sort out a no-medical policy without getting a headache. You ask a question, they answer. You need help, they call you back.

Dundas Life is a Toronto life insurance brokerage helping Canadians in Ontario, Alberta, and BC get covered. Start with their Check My Price tool. It’s not scary. Just asks for basic info and gives you a real quote. You can apply online, tweak the coverage, and sort the paperwork digitally. If things get confusing, you can ask for help from a real, licensed advisor. They work with all the big names like Manulife, RBC, Canada Protection Plan, so you’re not limited to one insurer.

Policy Options

They cover the whole insurance buffet. Term life is the cheapest. Good for 10 to 30 years. Protects your income if the worst happens during your mortgage/kid-raising years. Whole life is permanent coverage with fixed payments. Builds cash value. Great if you want to feel like your policy is maturing faster than you are. Universal life is also permanent, but you can adjust premiums and invest the cash value. Critical illness and disability insurance is extra protection if your health decides to throw a plot twist.

Dundas Life is quick, clear, and shockingly unannoying. You open the site, pop in some basic info, and within minutes you’ve got actual quotes. Advisors reach out to help, and people genuinely like that they take the time to explain what the heck everything means. They’re independent too, which means there’s no secret agenda behind their recommendations. Dundas Life gives you the rundown across multiple carriers, and if you only need basic coverage, they’ll say so.

Punjab Insurance is a Canadian brokerage with around 15 offices across Ontario, BC, Alberta, Manitoba, and Quebec. They understand Punjabi, Hindi, Urdu, English, and probably a few more languages. They started out in 2006 with a focus on the South Asian community, and now help Canadians from all backgrounds find life insurance.

What they offer

Term life insurance is the classic. Good for mortgages, income replacement, or just peace of mind. Whole life insurance is for people who like the idea of permanent coverage. Universal life is flexible, adjustable, and slightly intimidating, but they explain it well. No-medical options allow you to skip the needles and awkward health interviews.

How to apply

You start with an online form and get personalized quotes from multiple insurers. Then, if you want help, their multilingual advisors step in. They walk you through the options without pressure. You get real comparisons from multiple Canadian insurers. They tailor coverage based on your goals (like income protection, family security, or making sure your house stays paid off). They’ve got the tech to be fast, but the people to be kind about it.

Punjab Insurance is thoughtful, multilingual, and knows exactly what they’re doing, especially when it comes to helping South Asian families navigate Canadian life insurance. People say the communication is strong, the advisors are responsive, and the support doesn’t vanish after the paperwork’s signed. The advisors actually go out of their way to help. Not in the fake “your call is very important to us” way. In the “we will explain this to your mum in Punjabi and walk you through every step until it makes sense” kind of way.

Acera Insurance is an independent, employee-owned insurance brokerage that believes in giving you customized advice. They cover all of Canada, work with the country’s top insurers, and skip the sales pitch in favour of “let’s actually see what makes sense for you.”

What They Offer

Term Life is budget-friendly, clear-cut, and great for anyone who just wants coverage for a set period. Whole Life is permanent protection with a cash value stash you can tap into later. This is for the planners. Universal Life is a build-your-own-adventure kind of plan with flexible payments and investment options. This is for the brave.

They also do group life insurance. This is for employers who want to offer staff benefits without needing them to do medical exams. Usually term life, often very affordable, sometimes the reason HR finally gets thanked.

Acera Insurance is a great insurance company that leaves people smiling. According to the general vibe (and a few confident testimonials), the team is known for being friendly, professional, and on top of things. People say the advisors explain options clearly. Acera’s structure helps too. They’re employee-owned, fully Canadian, and not tied to a single insurance provider. That means their recommendations come from actual needs, not contracts. Clients get to compare multiple options, ask a bunch of questions, and walk away with the best coverage.

Toronto Mutual Group is an independent brokerage, which means they help you shop the market. Their thing? Tailored life insurance. For families. For businesses. For the very-organized and the very-overwhelmed. And yes, for people who just want coverage without any clue.

What They Offer

Term Life Insurance is where you pick a term. Like 10, 20, 70, or 100 years. You get coverage for that stretch of time, with fixed premiums. You can convert it to permanent life insurance later, without reapplying or being judged for your caffeine intake.

Permanent Life Insurance lasts forever. Premiums stay the same. As a bonus, it builds cash value over time, so it sort of moonlights as savings.

Universal Life Insurance is part life insurance, part tax-sheltered investment account. You can adjust what you pay, invest what you want, and use the value later if needed. Basically, it’s for people who want their insurance policy to multitask.

Toronto Mutual Group is a friendly insurance company. They specialize in no-medical life insurance, which is great if you’re not in the mood to explain your entire health history to a stranger. Clients love that they can get solid, simplified-issue coverage without jumping through flaming hoops. Toronto Mutual compares across multiple insurers to find something that suits your situation (and your budget). If your circumstances change, they’ll re-evaluate your coverage and walk you through what still makes sense.

Trust Life & Investments is a Toronto independent brokerage that’s been helping Ontarians sort their coverage needs for over three decades. They work with all the usual Canadian insurance heavy-hitters and focus on tailored consultations to figure out what you actually need.

Term Life Insurance

Coverage is for a set period, from 1 to 20 years, or the heavy-duty Term-100 option. It's good for keeping costs down while still protecting the essentials (like your family). Premiums stay fixed for the term. Their team helps you figure out when to renew, convert, or just sit back and enjoy being responsibly insured.

Permanent Life Insurance

This covers you for life. No expiry. No “oops your policy ran out” drama. Premiums are locked in, and it builds cash value over time. Kind of like insurance with a savings account in its back pocket. They offer pay-to-65 or 20-year pay options, which let you finish paying sooner and still stay covered. You can borrow or withdraw from the cash value later if needed.

Universal Life Insurance

This one is the most customizable of the bunch. It combines life insurance with investment flexibility. You can tweak your premiums and watch your account value grow, all while keeping your death benefit intact. It's good for people who like options and control.

Trust Life is calm, helpful, and surprisingly un-salesy. Advisors here don’t just rattle off plans. They ask questions. Like real ones. Then they listen, and only after that do they start talking about options. And the advisors don’t disappear once the deal is done either. Clients describe the whole experience as warm, professional, and low on nonsense.