With Every Quote: Free Special Reports

Two Special Reports are offered with every insurance quote:

  • Universal Life Insurance Consumer Report
  • Whole Life Insurance Consumer Report

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.

LSM Insurance, a leading provider of online life and living benefit insurance solutions for Canadians, 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.

US Term Life Insurance Quotes also available.

Term Life Insurance Instant Quote

Get your term life insurance quote and free reports now!

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What Clients Say

Real & Dorothy Duteau
Real & Dorothy Duteau

LSM Insurance team 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, the LSM Insurance team 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 LSM Insurance for the rest of our lives.

Mario Mavrides
Mario Mavrides

I have been a client of LSM Insurance for three years and have been extremely happy with his service.

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

Arthur Balaniuk

LSM Insurance was referred to me by a close friend.

I had spoken with several insurance people prior to meeting with LSM team and I was very impressed with their straightforward approach.

I am very pleased with the plan he set up. It’s easy to see why they have become so successful and I would not hesitate to refer others looking for insurance and investment solutions to LSM Insurance.

Maher Rizkalla
Maher and Salwa Rizkalla

We have been clients of LSM Insurance for over nine years, and we have always found LSM team very responsive to all our insurance and financial needs.


  1. LSM Insurance 09/10/2013 at 3:23 pm

    You’re welcome. We are happy to help.

  2. Secret Sister 09/13/2013 at 2:59 pm

    my life insurance is about to expired, I am not happy with the company that I am with. what are the requirements to change from my present company to yours?

  3. LSM Insurance 09/13/2013 at 3:27 pm

    Thanks for the note. You may some options with your existing policy – you could always switch your agent of record with a written request.

  4. Brad MacKinnon 09/18/2013 at 1:43 pm

    My client is rated highly for depression and medication she has been taken for almost 20 years. What medical evidence is required for 55 year old smoker female.

  5. LSM Insurance 09/18/2013 at 1:53 pm

    Hi Brad, Your client can get up to $250,000 No Medical Tests, but with a series of Health Questions that will include a depression related question with Assumption Life. They would likely ask for an Attending Physician Statement. Canada Protection Plan underwritten by Foresters Life Insurance Company offers a Simplified Issue Term plan with No Medical Tests and No Depression related questions

  6. Calum 09/19/2013 at 12:37 pm

    Could not find a quote, as requested, on this page!?
    Would appreciate a phone call or a response by email to my enquiry:
    Term life for 75 year old male
    Non smoker
    $250000 over 10, 15 and 20 years

  7. LSM Insurance 09/19/2013 at 2:04 pm

    Thanks Calum. A Term 10 or Permanent plan would be available. We are happy to help out and will be in touch with a quote.

  8. Kathy 10/25/2013 at 9:48 pm

    I am interested in covering my oldest son he was born in …..
    I would like whole life policy at least $20,000.00. His health is not bad has some …. . Is it possible for me to get life insurance on him as his job status is very iffy and I don’t want to get stuck with the cost if something happens to him.


  9. LSM Insurance 10/26/2013 at 5:32 pm

    Thanks Kathy. We are happy to help with a life quote for your son and will be in touch by email shortly.

  10. Oscar 12/04/2013 at 5:01 pm

    Can you get a Guaranteed Issue and a Regular Term plan

  11. LSM Insurance 12/04/2013 at 5:08 pm

    You could have both plans but this would not make a lot of sense. If you qualify for a Regular Term Plan would be a much better deal than a Guaranteed Issue plan. Unless the Term Plan was heavily rated or you had the guaranteed issue plan for many years.

  12. Rick 12/20/2013 at 1:30 am

    Hello ,

    My wife is 31 year old . She has got a bunch of health issues like Thyroid , Depression (bipolar and border line and she is taking therapy for these but no medication) and
    this year she has been diagnosed with sjogren’s syndrome for which she is taking medication

    We have to get life insurance for her , do you think she will still get a standard rate or will it be higher . Will all the companies accept her or only handfull .


  13. Jackson 04/21/2014 at 9:49 pm

    Male 39 yrs old making about 4000/month, non smoker, good health. Looking for 250,000 life insurance.Please send me a quote. Thanks

  14. LSM Insurance 04/22/2014 at 10:46 am

    Thanks for the note Jackson. Most insurance companies use age nearest pricing meaning they price on the age you are nearest to. Are you closest to 39 also do you want a quote on a Term 10, Term 20 or Term 30 policy.

  15. janice 06/23/2014 at 5:01 pm

    I want to know if I can get life insurance on my mother??
    No smoking, drinking……..ever. Tip top health.

  16. LSM Insurance 06/23/2014 at 6:53 pm

    Thanks Janice. It was nice speaking with you. The rates depend on the type of plan and the amount of coverage. We will be in touch by email.

  17. Jim Huynh 07/11/2014 at 8:21 pm

    Please let me know about my parent Bith year 1932 & 1940 can they get their life insurance for $50 to cover $50,000 life insurance?

  18. Jim Huynh 07/11/2014 at 8:21 pm

    Please reply thanks

  19. LSM Insurance 07/12/2014 at 12:31 pm

    Thanks Jim. The premiums will depend on their smoking status, their age nearest ago and the type of plan. I will send you a separate email now.

  20. AH 07/19/2014 at 12:23 pm

    Hi Chantal
    I am ….. I have cardiomyopathy, recently inserted an ICD (implantable cardioverter defibrillator). I want a 20 or 10 year term life insurance. Please suggest me.

  21. LSM Insurance 07/19/2014 at 12:46 pm

    Thanks we are happy to help. The premiums will depend on your smoking status and the amount of coverage.

  22. Riva 07/29/2014 at 5:50 pm

    I would like to now approximately how much I have to pay on a monthly basis?

  23. LSM Insurance 07/30/2014 at 11:28 am

    Hi Riva, Thanks for the note that would depend on the amount of coverage and the type of plan as well as year date of birth and smoking status.

  24. Donna 08/11/2014 at 6:16 pm

    I am about to turn 70 at the end of August I am a non smoker, non drinker, I would like a quote for life insurance, I am looking for a quote for $75,000. I am in good health. I am 5’4″ tall and weigh 130 lbs.

  25. LSM Insurance 08/11/2014 at 7:14 pm

    Hi Donna,

    Thanks for the note. We are happy to help. The premiums will depend on the type of plan whether it is Term or Permanent coverage.

  26. Judy u 10/24/2014 at 3:32 pm

    I am 67 excellent health fit would like to know how much per month for both $50K & $100K policy
    Not sure of the lingo but just basic insurance.
    Thank you

  27. LSM Insurance 10/24/2014 at 3:39 pm

    Hi Judy, We are happy to help.. It would depend on your age nearest age and the typ of plan Term or Permanent we will be in touch by email

  28. Adeep 12/15/2014 at 4:56 pm

    Hi there,
    Looking for T30 Life Insurance , half million each for myself and my husband. Can you please quote us for per month and which insurance company it wud be thru.

  29. LSM Insurance 12/15/2014 at 5:18 pm

    Thanks Adeep we are happy to help and will be in touch by email. With the additional details we need to provide an accurate quote.

  30. DIPAKKUMAR 04/29/2016 at 11:13 pm

    Hi, I am running my 40th year of life and have little high-cholesterol and hypo-thyroidism. I am taking phenofibrate tablet for cholesterol and synthroid for thyroid. Both remains under control and never had any problem. I don’t smoke at all. I am not a regular alcohol drinker (occasionally once a year). I am looking to get Term 30 or Term 35 life insurance. Can I get it and what approx. premium I have to pay for sum insured amount of $ 150,000 only. Thanks

  31. LSM Insurance 05/05/2016 at 9:35 am

    Thanks for the note we sent you an email. Regards, LSM

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