Making Life Insurance Easy.

Life insurance can be intimidating, but it doesn’t have to be:

Calculate the amount of life insurance coverage that meets your needs.

Compare rates from all the best insurance companies – we are independent brokers.

Consult a professional and get expert advice.

NorthWise Insurance is an independent broker of Life Insurance in Ontario.

Our Insurance Partners

Already know what you want?


Don’t know how much life insurance you need? That’s OK, use our calculator to find the right amount and type of insurance for


Don’t have time to call 20 companies? Search virtually every life insurance company in Ontario instantly.


Don’t know everything? We know insurance is a 10+ year commitment, our team is here to help you make the best decision possible.

Quick Quote or Detailed Analysis

Know how much life insurance you need? Great, go right to our quote page.

Don’t know what amount or type of insurance to get? We got you, use our handy Life Insurance Needs tool to see what a financial planner would recommend to you.

What type of insurance are you looking for?

Term Life Insurance

This insurance is best suited to protect short term needs such as mortgage protection or income protection. You do not keep this insurance for life, but term insurance features low premiums.

Whole Life (Permanent) Insurance 

One of the only guarantees in life is that you will die. Permanent insurance is insurance you keep for your entire life. Can cover final expenses, things like capital gains, or be used for estate planning.

Universal Life Insurance 

Universal Life Insurance is the most flexible type of life insurance. Also a type of permanent insurance, but can be used as a Term 100 insurance as well. You can pay the minimum premium or contribute more additional funds that are deposited into an investment account that grows on a tax-free basis. 

No-Medical Life Insurance 

Do you have a medical condition that has made getting insurance tough, or do you simply not want the hassle of needles and nurse appointment, no medical life insurance is a perfect option. With just a medical questionnaire to get coverage, this convenient and increasingly popular option allows more people than ever access to life insurance. 

Senior Life Insurance 

Recently retired or a retiree that needs life insurance? We excel in finding solution for our senior clients by partnering with companies that offer competitive specialized products.  

Mortgage Life Insurance 

Many people opt into the mortgage insurance that is provided through their lender, and unfortunately this is NOT good life insurance coverage. Having an individual life insurance policy to cover your mortgage is better for a variety of different reasons. Ask us why!


Why are people flocking to online insurance?

Choice, flexibility, and convenience. Gone are the days where one insurance company has the best of everything. Let us take care of your due diligence and find the right coverage with the right company.

What type of life insurance do you need?

There are many different types of insurance policies to choose from, with different protection and investment features. For some, a term insurance policy might be best, while others might benefit more from a universal life insurance policy. Some people’s needs might best be met with a combination of types of insurance. Use our financial planning tool to figure out the best solution for your specific needs.

How much life insurance do you need?

It may be more than you think. To your loved ones, you’re priceless. Use our handy calculator to help determine the best amount of life insurance to meet your needs and protect those who are most important to you.

Save Valuable Time

Let us search every major insurance company in Ontario, so you don’t have to. Throw in our interactive, digital-only process, and you have more time on your hands to do you.

Best Rate

We work with over 20 insurance companies in Ontario, to ensure that you are getting the best rate on your insurance, with NO compromises. We hope you like to save money!

Unbiased Advice

You’re not alone if you feel someone has tried to sell you insurance. We don’t need to sell because we have no ties to any insurance company. We just want to make YOU happy.


We pride ourselves on being industry leaders in cyber security. We know how important your information is, and we do everything to protect it.

Insurance On Your Terms

In 2016, 20.3 billion in life insurance premiums were paid to 91 providers. With 91 providers trying to win your business, it can be painstakingly difficult to sort through them all and find the best company. Let us make this as easy as possible for you!

  • $4.5T Life Insurance Coverage
  • $20.3B – 2016 Life Insurance Premiums
  • 22M Canadians Own Life Insurance
  • 91 Life Insurance Providers

Expert Advice

As licensed, independent insurance brokers, we are free to choose from dozens of insurance companies. We evaluate their plans and processes, and then make the best recommendations for your needs. We can explain in plain terms all the details about whole life, term life, universal life, cash value, dividends, investment methods, tax considerations, estate planning, and so much more.

Licensed Brokers

  • Knowledgeable – Our team is made up of licensed insurance advisors that keep up-to-date with the insurance world.
  • Technology Driven – We have the tools in place to make sure your plan is fool proof.
  • Confidential – All conversations with our team are strictly confidential.
  • Service For Life – Finding life insurance is the first step. We want to have a lifetime relationship with you and your family to provide much needed protection.

Our Promise

We understand that choosing life insurance is a sensitive and deeply personal topic. We are dedicated to our clients, ensuring that we always put their best interests first. We don’t want to sell you a life insurance policy – we want to help you meet your needs in the best, most convenient, and most cost-effective way.


Is it less expensive to buy insurance directly from the insurance companies?

Canadian law regulates insurance premiums according to national standards, so whether you buy directly from the company or through a licensed broker like NorthWise, premiums are the same. We get compensated by the insurance company, so you get free, unbiased, expert advice from us for the same price.

Can you help if I already have life insurance?

Yes, we can! If you want to review your policies, adjust your coverage, or make other changes, we would be glad to assist. We can even take over servicing your existing policies to help serve you better.

How do I know if I have enough life insurance?

Ask us for a free review to make sure your existing insurance policy meets your needs. If you feel you’re paying too much in premiums or you need more coverage, we have the expertise and the experience to find the best solution for you.

What happens after I buy insurance?

We’ll be here to help any time you need us, from the application process, to policy issue, and beyond. For more than 30 years, we’ve been helping our clients navigate all of life’s challenges and opportunities.

When do I need to get life insurance?

Often, people start thinking of life insurance when they’ve made a major life change – think getting married, buying a home, having a child, and many other situations. If you’re not sure whether you need it or if it’s the right time for you, just ask! We’d be glad to review your situation and make our recommendations.

Am I too old to buy life insurance?

There are life insurance policies that are designed for older adults. Everyone’s situation is different, but we’re confident that, no matter your age, we can help you find the right policy for you at the right price. 

Why should I buy life insurance when I’m young?

Buying life insurance as a young adult can mean locking in a lower premium rate. Also, you can build cash value in a life insurance policy that you may be able to access later in life. 

How do I get more information?

Request a quote online, use the live chat feature on our site, or give us a call so we can get started on the perfect plan for your needs.

Privacy Policy and Protection of Confidential Information

Your privacy and protecting your information are of the utmost importance to us. All of our communications with clients are confidential. We follow best practices for the protection of your information with state-of-the-art secure physical and digital storage systems. Please see more information on or Legal, Privacy, and Terms of use pages found at the bottom of this webpage.

Let Us Help You Grow and Protect Your Family

Fill out a few bits of info and we’ll be in touch soon!

Services Interested In

9 + 15 =