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Term Life Insurance Instant Quote

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LSM Insurance is an independent insurance agency working with 14 different insurance carriers.

With Every Quote: Free Special Reports

Two Special Reports are offered with every insurance quote:

  • Universal Life
  • Whole Life

Reports

Each illustrated report is delivered in PDF format to allow you to print out the report and read it at your leisure offline.

These reports will help you navigate the tricky waters of insurance rivers.

Each kind of policy has its own particular function - whether investment or protection or a combination of the above. Each insurance company offer a confusing array of products in most categories.

Lorne S. Marr, a fifteen year veteran of deciphering major insurance company policies, outlines the major concerns with each kind of policy and then goes on to disect the current top policies from that category from the top companies in Canada.

Each report is like an accelerated course in insurance analysis. The reports include the most up-to-date policy information and are updated every three to six months.

Quick to read and heavy on facts, if you are considering insuring yourself in Canada, you can't afford to miss our Canadian Life and Health Insurance report series.

What Clients Say

Real & Dorothy Duteau
Real & Dorothy Duteau

Lorne was highly recommended for our insurance needs and our first meeting confirmed what we were looking for: integrity, honesty, competency and affordable products.

Also throughout the process, Lorne kept us informed on the status of the application and was involved in clearing all obstacles. This is what we really appreciated, as his follow-up was 110%.

With this kind of service and dedication, there is no doubt that we will be with Lorne for the rest of our lives.

Mario Mavrides
Mario Mavrides

I have been a client of Lorne's for 3 years and have been extremely happy with his service.

Lorne's approach is straightforward and time friendly. It's a great feeling to know I have a first rate professional looking after my insurance and financial needs.

Arthur
Arthur Balaniuk

Lorne Marr was referred to me by a close friend.

I had spoken with several insurance people prior to meeting with Lorne and I was very impressed with his straightforward approach.

I am very pleased with the plan he set up. It's easy to see why he has become so successful and I would not hesitate to refer others looking for insurance and investment solutions to him.

Maher Rizkalla
Maher and Salwa Rizkalla

We have been clients of Lorne Marr for over 9 years, and we have always found him very responsive to all our insurance and financial needs.

More Life Insurance Canada Testimonials

US Term Life Insurance Quotes also available.

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54 Responses to “Term Life Insurance Instant Quote”

  1. i have type 2 diabities for about 1 year now and it is very controlled with a pill medication gluburide

    edwin moore thought on December 3rd, 2009 9:37 pm

  2. Hi Edwin,

    Thanks for the note. Depending on your age, height and weight and blood sugar reading you could still qualify for standard rates. I’ll send you an email shortly. Thanks … Lorne

    lorne thought on December 4th, 2009 9:36 am

  3. Hello There, I already have a life insaurance and we think we are on wrong path. There was a lot of missinformation from my insurance agent. If you feel you can put us on right track kindly give us a call.Thanks in advance.
    Truly ,Rakesh
    (…)…-….

    Rakesh thought on December 9th, 2009 10:47 pm

  4. Hi Rakesh,

    Thanks for the note I will be in touch with you soon. Regards …

    lorne thought on December 10th, 2009 10:20 am

  5. I have a mortgage line of credit for $224,000.00.I have not touched a drink of alcohol for 26 yrs or smoked in 33yrs. I am 56 in good health a little weight to lose. I have a physical job. Presently I pay TD $200.00 a month and I was told I pay too much. Could you provide information on life in. and 20 yr term.

    debbie smith thought on January 24th, 2010 7:58 pm

  6. Hi Debbie,

    Thanks for the note.

    I think we can definetly help deliver a better value than the bank’s mortgage insurance plan. I will send you a separate email now. Regards … Lorne

    lorne thought on January 25th, 2010 11:54 am

  7. I am 60 and have a wife 38, and son 15. I had insurance with my previous employer but that canceled upon leaving the job. Now I have nothing. I would like an insurance to provide my family with some income, and funeral expenses, if I might die that is affordable. I am a average income earner…..15 – 20 per hour so can not afford a large monthly payment.
    The banks offer a “no medical” policy that offers very little in case of death other than accident. They have a two year waiting period, which I don’t mind.
    If possible I would like a policy that will pay them something upon my death, and present as investment collateral in the meantime as I try to increase my financial folio before my demise.
    Can you help me?

    Ralph Furgason thought on January 31st, 2010 6:09 pm

  8. Hi Ralph,

    Thanks for the note if you have no major health issues you would be better off with a traditional life insurance plan versus a non medical plan.

    I will send you a separate email shortly.

    lorne thought on January 31st, 2010 9:22 pm

  9. I am 38 year old making about 4000/month and my husband 47years old and makes about 5800/month
    we would like to have life insurance and disability insurance coverage for our mortgage that we just took out and have no coverage at the moment. our mortgage is for $265000
    monthly payment 1617.21
    both of us are in good health and non smokers our whole lives
    Can we get a quote?
    thanks

    Beth thought on February 10th, 2010 2:55 pm

  10. I am turning 65 in June. I am currently insured with a term policy for $200,000 thru my employer until the end of july 2010. I am looling at converting thru Sun Life to a small $15000 policy of whole life. Are yu able to provide a quote for that amount? I am in good health and on no medications. I have a yearly medical check.

    John thought on April 10th, 2010 7:44 pm

  11. Thanks for the note John. We are happy to help out and will be in touch with you soon by email.

    lorne thought on April 11th, 2010 2:46 pm

  12. I am 41,male and currently having a $200,000 universal life for 8 years. But recently I found out my insurance premium will be tripled in 2034. The agent never told me about it. Anyway I will cancel it and get a new one maybe term to 100.
    But I am worrying that i have been declined once 2 years ago for another life insurance with health issue. I have mild hypertension and in control with medication about 130-80, non smoker.
    I ‘d like to know whether I can get a life insurance.

    yoonsuk thought on April 11th, 2010 7:41 pm

  13. Thanks for the note. We are happy to assist – it sounds like you have increasing cost of insurance within your Universal life policy. I would definetly make sure your approved for a new coverage before cancelling your existing plan. Your current policy may have a conversion option.

    lorne thought on April 12th, 2010 11:03 am

  14. I am interested in buying insurance for my granddaughter,and at the present time,I am 69
    years old,and in excellent health.I do have a
    hearing loss,so that limits me to recieving emails
    or text messages for corresponding with anyone.
    I am also on a pension.Could you give me some idea
    of how much it would be for a 10.000 life ins
    policy.Thank you!

    Diane thought on April 14th, 2010 4:12 pm

  15. Thanks for the note. We are happy to assist I will send you a separate email now.

    lorne thought on April 14th, 2010 7:01 pm

  16. Is the premium quote above per month or per year?

    Thanks.

    Julian

    Julian thought on April 25th, 2010 11:48 am

  17. The default payment mode is monthly. Please let us know if we can assist further.

    LSM Insurance thought on April 25th, 2010 1:12 pm

  18. Our life insurance is coming up for renewal soon and I have been shopping around for different ins. products. I am 46 this Sept and my husband is turning 48 in May. We are both non smokers. I was looking at some term life and a small whole life policy approx 50,000. The 15 year quick pay policy appealed to me but I read that Unity life only offers whole life to 18-45 year olds?!! Please let meif we are eligible for this.
    Thanks

    Sandra McGrath thought on May 12th, 2010 9:56 pm

  19. Thanks for the note. A variety of companies offer 15 Pay Permanent policies including Desjardins, Canada Life, Manulife and Industrial Alliance.

    We are happy to assist further.

    LSM Insurance thought on May 13th, 2010 11:23 am

  20. Please let detailed insurance. I am looking for $500,000.

    Lisa

    Lisa Curtis thought on May 25th, 2010 10:01 am

  21. Thanks Lisa. The rates depending on many factors including, age, smoking status and type of plan. We’ll send you an email now.

    LSM Insurance thought on May 25th, 2010 10:51 am

  22. Hello,
    My employer just presented me with the bill for 421.38/month for group rate premium as I was off on medical leave for over 2 weeks. They stated that this amount is paid for every single employee. I contacted the insurance company to inquire about individual coverage and was told that the above amount does not even exist. Also, speaking to other employees about the amount they paid while on leave and they don’t even come close to half of this amount. I obviously have to opt out of the group plan, more like was forced out. Are there any other remedies to this? I feel that they are trying to overcharge me on the behalf of the insurance carrier.

    katerina thought on July 25th, 2010 4:13 pm

  23. Thanks for the note. We are happy to help and we’ll send you an email now.

    LSM Insurance thought on July 26th, 2010 11:16 am

  24. Looking for term to covering existing line of credit for $50,000.00, as now that I have turned 70 and had coverage for this debt, they have – Scotia Bank – cancelled this life insurance. Would take a 5 year or 10 year. Health good employed and a smoker. Dave

    David thought on January 23rd, 2011 1:41 pm

  25. Thanks David – we work with several carries who issue insurance to people 85 and under and will be in touch shortly with a quote.

    LSM Insurance thought on January 23rd, 2011 1:51 pm

  26. Hello,

    I am in search of information regarding a life insurance policy with a critical illness rider. Although I am a non-smoker and 41 years of age, I was diagnosed with Transverse Myelitis in August of 2008. I am hoping there is some insurance companies which would accept my application for either the above mentioned policiy, or disability (even though I am not disabled right now).
    Thankyou.

    Huma Ahmed thought on February 20th, 2011 3:43 pm

  27. Thanks for the note Huma.

    Disability insurance will be difficult if you are already disabled. But a no medical simplified life insurance policy should be availble.

    LSM Insurance thought on February 21st, 2011 9:33 am

  28. i need some quote for life insurance

    Zeny thought on March 2nd, 2011 12:39 am

  29. Thanks Zeny. We are happy to help out and will send you an email now. The rates will depend on your age, health, smoking status, face amount and the type of plan.

    LSM Insurance thought on March 2nd, 2011 9:50 am

  30. Hi…

    I am 61 in April and have been declined because of high PSA. Is there anything you can recomend.

    Thanx, Brian

    Brian thought on March 30th, 2011 9:01 pm

  31. 37 non smoker interested in term insurance coverage for my family. Can someone please contact me and assist in providing a quote?

    Ian thought on March 30th, 2011 11:12 pm

  32. Thanks Brian – the premiums will depend on the amount of coverage and type of plan. We offer a few simplified issue term plans that may be a good fit. We’ll send you a separate email now.

    LSM Insurance thought on March 31st, 2011 8:03 am

  33. @ Ian. Thanks for your inquiry. The premiums will depend on the length of the term and the face amount. If you are in excellent health with very good family health history you can qualify for preferred rates – which could lower your rates but up to 30% See article http://lsminsurance.ca/life-insurance-canada/2009/08/understanding-preferred

    We’ll send you an email now.

    LSM Insurance thought on March 31st, 2011 8:21 am

  34. my husband need a life insurance because mine does not cover my spouse, he is 48 year old and no smoking, no health problems
    thanks for your help

    bruno thought on May 4th, 2011 8:56 pm

  35. Thanks for the note. The premiums will depend on the type of plan and the face amount.

    We will send you a separate email now. Regards,

    LSM Insurance thought on May 5th, 2011 8:28 am

  36. 250,000 life insurance non smoker born nov 1963. good health no problems, non smoker.

    Clark thought on May 6th, 2011 4:26 pm

  37. Thanks Clark – you’re health works in your favour. The rates will depend on the type of plan.

    We will send you a separate email now.

    LSM Insurance thought on May 6th, 2011 4:48 pm

  38. 250,000 life insurance 20 term insurance, non-smoker, born April 1985. Type 1 diabetes for 1 year, controlled with insulin.

    Jordan thought on May 24th, 2011 7:31 pm

  39. Female non-smoker, good health, born 1979. Looking for 20-year term life insurance and want to discuss critical illness insurance as well. Could someone contact me please.

    Jingwei thought on June 1st, 2011 10:50 am

  40. Thanks for the note. The rates on the Critical Illness coverage will depend on the length of term and if the plan has a return of premium. Regards, Lorne

    LSM thought on June 1st, 2011 4:33 pm

  41. Hi;
    My husband will be turning 65 on Oct 13th and I am 61 yrs of age. We presently have 100,000 each life insurance with my husbands past employer and now that he will be 65 it will expire in a few days. Is there any way I can convert our policy over to your company if the premiums are affordable. We are both in good health and non-smokers. My husband has controlled hypertensive with medication. We would be interested in a 20 yr plan.

    Victoria thought on October 5th, 2011 10:24 am

  42. Thanks for the note.

    Depending on the insurance carrier we should be able to help you with your group life conversion. Please keep in mind most Group Conversion have a buffer in the pricing factoring the insured may have health issues.

    LSM Insurance thought on October 5th, 2011 12:41 pm

  43. iam looking for insurance to help my fmaily with my debt.

    bob thought on October 12th, 2011 12:50 pm

  44. Hi Bob,

    Thanks for the note – we are happy to help. The premiums will depend on your age, smoking status, type of plan and face amount We’ll send you an email now. Regards, LSM

    LSM thought on October 12th, 2011 1:50 pm

  45. I m 52 and wife 51 ..both good health ..non smoker looking for term life 15 ? 20 ? ..amt 300,000 each ..Please advise ..Thanks

    Ernest thought on October 25th, 2011 9:16 pm

  46. Thanks Ernest – most companies use age nearest rather than age last pricing so depending if you are closer to 52/53 and 51/52 this would impact the premium. We’ll send you a separate email now. Regards,

    LSM Insurance thought on October 26th, 2011 7:00 am

  47. My wife is suffering from M.S and has been turned down in the past. Is there any hope of her getting coverage?

    Thanks.

    D thought on November 6th, 2011 2:03 pm

  48. Thanks for the note. Your wife could qualify for a No Medical Simplified Issue Policy. These policies have no medical tests and 3 to 12 health questions. The death benefits are more limited but many do not have a question on MS.

    LSM Insurance thought on November 7th, 2011 9:16 am

  49. I am 61 years old born … I am a non smoker in good health.I am looking for quotes on 10,000, 25000 whole life policies. thanks Bill

    Bill thought on November 12th, 2011 5:04 pm

  50. Thanks for the note. We will be in touch by email shortly.

    LSM Insurance thought on November 12th, 2011 6:13 pm

  51. Hello,
    I am 47 female non-smoker and general good health taking no medications. I am however overweight about 60-80 lbs over the “normal” range. I have no other medical conditions. Would I pass the medical requirement for term life insurance?

    grace thought on November 17th, 2011 9:31 pm

  52. Thanks for the note Grace. Yes you should be able to qualify for a Term Life Insurance plan but it would likely have a rating i.e. meaning an extra premium related to your weight.

    Many company view this risk diffrently so premiums could vary significantly by company. We will send you a separate email now.

    LSM Insurance thought on November 18th, 2011 9:31 am

  53. Would like small term policy. Am 58, female, non-smoker, managed hypertension Have current $50,000 on a retirement policy from employer which is only good to age 65. I am limited income and monthly premium needs to be affordable for me. Can you help please.

    Yvonne thought on January 18th, 2012 1:13 pm

  54. Thanks for the note. The premiums will depend on the type of Term i.e. 10 or 20 years and the amount of coverage. We will send you an email now. Regards,

    LSM Insurance thought on January 18th, 2012 2:57 pm

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