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We use advanced technology to compare policies from over 20 top Canadian insurance providers in real-time. Just answer a few quick questions about yourself and your needs, and we'll show you side-by-side comparisons of the best options personalized for your situation.

Unlike traditional brokers, our digital platform lets you browse at your own pace, with transparent information about coverage details and pricing. When you're ready to move forward, our licensed advisors are available to answer questions and guide you through the application process.

No! Our service is completely free for you to use. We're compensated by the insurance companies when you purchase a policy through us, but this never affects the price you pay. The rates you see on PolicyScanner are identical to what you'd get directly from the insurer — sometimes even better due to promotions.

We believe everyone deserves access to straightforward insurance information without sales pressure or hidden fees.

Term life insurance covers you for a specific period (e.g., 10, 20, or 30 years) and is usually more affordable. Whole life insurance provides lifetime coverage and builds cash value over time. Term is ideal for temporary needs like mortgage protection, while whole life is suited for estate planning and long-term wealth transfer.

Many experts suggest 10–15 times your annual income, but your personal situation matters most. Consider factors like:

• Income replacement for your family
• Outstanding debts and mortgage
• Future costs like education for children
• Final expenses (funeral, estate settlement)

Our online calculator can help you estimate a coverage amount, or you can speak to a licensed advisor for personalized guidance.

Yes! Many insurers offer no-medical or simplified issue life insurance. These plans often require just a few health questions without a physical exam. They're ideal for quicker approvals or for those who prefer a hassle-free application, although they typically come with slightly higher premiums than fully underwritten policies.

Approval timelines vary:

• Simplified/no-medical policies: Often approved within 24–48 hours.
• Fully underwritten policies: Typically 2–6 weeks, depending on health and coverage.

At PolicyScanner, we'll keep you updated every step of the way and work to minimize any delays.