Personalized life insurance.
In 60 seconds.
- No medical exam required
- Same-day approval
- Coverage from $19 a month
What province are you in?
Coverage and rates vary by province. Takes 60 seconds.
How much coverage do you need?
Most Canadians choose between $100,000 and $500,000. You can adjust later.
How old are you?
Your age helps us match you with the right product.
What's your gender?
Life insurance premiums differ by gender.
Do you smoke?
Includes cigarettes, vapes, and cannabis in the past 12 months.
What's your name?
So we can personalize your quote.
What's your email?
We'll send your personalized quote here.
What is your phone number?
We need to verify you're a real human.
Enter your verification code
We texted a 6-digit code to your number.
Didn't get it?
Thank you, friend.
We got your information. A friendly licensed Oneday agent will reach out to you at your number to walk you through your next steps. Keep your phone nearby.
Your agent confirms your information
A quick double-check of what you just told us (province, coverage amount, age, smoking status) so your quotes are accurate. It takes about a minute.
You get your quotes
Your agent walks you through personalized Open Series rates that fit your needs and your budget. Real numbers, plain language, and straight answers to any question you have.
You decide if you want to apply
If a plan feels right, you can submit your application on the same call, with no medical exam and approval often the same day. If you want time to think, that's fine too. There is no obligation.
- Answer the call, even if the number looks unfamiliar. It's a real licensed agent, not a robot, and most calls take about 10 minutes.
- Have a rough monthly budget in mind. Even a ballpark number helps your agent fit a plan to your life instead of the other way around.
- Think about who you would name as your beneficiary. A spouse, your kids, a parent, anyone you want protected. You can change it later.
- Bring your questions. Coverage amounts, pricing, how claims get paid. No question is too small.
You just did the thing most people put off for years.
After many years in this business, we can tell you that a family with life insurance and a family without it live in completely different worlds when a claim happens. The grief is the same for everyone. What happens next is not.
A family with coverage receives a tax-free payment, often within days. The mortgage or rent gets paid. The kids stay in their school. There is room to grieve without a financial emergency stacked on top of the loss.
A family without coverage faces the same loss, plus funeral costs, plus next month's bills, on one less income, all at once.
The quiz you just finished is the first step. The call that follows is how it gets done. Answer the phone, and your agent will take care of the rest.
When will the agent call me?
Usually within minutes during business hours. If you finished the quiz in the evening or on a weekend, expect the call on the next business day.
What if I miss the call?
No problem. Your agent will leave a message and try again. You can call or text back whenever works for you, and your quotes will be ready when you connect.
Is there any cost or obligation?
None. The call, the quotes, and the advice are completely free, and you are never obligated to apply. If you do choose a policy, your only cost is the monthly premium.
Will I need a medical exam?
No. Open Series coverage is designed with no medical exam and no needles. Your agent will ask a few health questions on the call, and that's it.
How much coverage do I actually need?
A simple rule of thumb is DIME. Add up your Debts, your Income multiplied by the years your family would need it, your Mortgage balance, and Education costs for your kids. Your agent can run this with you in about two minutes.
How fast can my coverage start?
Often the same day you apply. There are no lab results to wait on because there are no labs. Once you're approved and your first payment is set up, you're covered.
Who underwrites my policy?
Open Series plans are underwritten by Humania Assurance Inc., a Canadian insurer established in 1874. Onedayinsurance.ca administers your policy and stays your point of contact from quote to claim.
Is my information safe?
Yes. Your details go to a licensed Oneday agent so they can prepare your quotes, and nowhere else. We never sell your data without your consent.
Your info is private. We never sell your data without your consent.
Tell us about you
A few quick questions, no medical exam, no commitment.
Get your rate
Your personalized rate is calculated instantly from your answers.
Speak with an agent
A licensed Oneday advisor confirms your rate. Most applicants approved the same day.
★★★★★ 4.9/5 from 300+ reviews · No medical exam · Same-day approval
Most Canadians are one event away from financial trouble.
Half of Canadians are exposed
Roughly half of Canadian households have no life insurance. If a primary earner is gone, the mortgage, debts, and final expenses fall to the family.
Today's rate is the cheapest you'll get
Premiums rise with every birthday. Locking in coverage now is almost always cheaper than waiting another year, sometimes by 6 to 10 percent for the same policy.
Tax-free for your family
Life insurance payouts in Canada go to your beneficiaries tax-free. Every dollar of coverage works for them, with nothing lost to the CRA.
No medical exam, no clinic visit
Every Open Series tier uses simplified-issue underwriting. A short questionnaire, a fast decision, no needles and no waiting on lab results.
For the people who count on you.
Trusted by thousands of Canadian families.
"Very informative and helpful with finding the best policy for me."
"My rep is the man! He truly cares for the greater good of the client. I would 100% recommend. Thank you."
"Agent was excellent! Everything was explained clearly, and at an appropriate level."
"Agent was very helpful and knew how to explain things so I could easily understand what I had to do. I felt very sure that this was what I needed."
"Working with Oneday was like working with a friend. A friend that wants the best for you. A friend who wants to take your worries away. And they did."
"Was very precise and knowledgeable in explaining the policy as well as asking all the questions pertaining to my health. He also called several times and left messages. However today he called and I was available and had time to discuss my situation. I can say he is also excellent on follow up. Thanks."
"Thanks Oneday for your deeds and your conviviality as a true professional you created a slam dunk environment for a smooth transition from start to finish. Again thanks."
"We found our agent very helpful, patient and very knowledgeable! I really liked the idea of sharing the screen when filling out the application. Great idea! I would not hesitate on referring him to any of our friends or family."
Coverage for everyone. Complexity for no one.
Who underwrites my policy?
Do I need a medical exam to qualify?
How fast can I get approved?
Can I qualify with a pre-existing condition?
How much coverage do I need?
- Debt: credit cards, car loans, lines of credit, and other personal debts.
- Income: your annual income multiplied by the number of years your family would need to replace it (typically 5 to 10).
- Mortgage: the balance remaining on your home.
- Education: the projected cost of putting your children through school.