Term life insurance is an affordable way to secure financial protection for a specific period. If you pass away during the term of the policy, a predetermined lump sum is paid to your beneficiaries. This type of insurance is often chosen by families with young children, homeowners with a mortgage, or self-employed individuals who want to protect their loved ones during key stages of life.
On ClicAssure.com, you can compare multiple term life insurance policies offered by reputable insurers across Canada. Get a quick quote and find coverage that fits your goals, your situation, and your budget.
✔ Lower premiums than permanent life insurance
✔ Protects your loved ones for a set period (5, 10, 20, 30 years, etc.)
✔ Ideal for covering a mortgage or supporting dependents
✔ Option to renew or convert your policy in some cases
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Term life insurance is a life insurance policy that offers coverage for a fixed period, usually 10, 20, or 30 years. If the insured person passes away during the term, a lump sum (called the death benefit) is paid to the beneficiaries. If the person is still alive at the end of the term, the policy ends—unless it’s renewed or converted.
This type of insurance is ideal for people with temporary financial needs. For example:
Term life insurance is generally used to meet short- to medium-term needs, while permanent life insurance is a tool for long-term financial planning.
Yes, many term life insurance policies are renewable at the end of the term without the need for a medical exam. However, your premium will be adjusted based on your age at the time of renewal.
Yes, some policies allow for a conversion to a permanent life insurance policy, based on the terms outlined in the contract. This can be a good option if your needs evolve or if you want lifelong coverage without undergoing a medical exam.
The cost of term life insurance depends on several factors:
In general, term life insurance is the most affordable type of life insurance, especially for healthy young adults.
With ClicAssure.com, you can quickly receive multiple personalized quotes by filling out a single online form. Our free comparison tool makes it easy to find the protection that best meets your needs.
