Albertans lead Canada in coverage. Let’s keep it that way.
Alberta households carry more life insurance than any other province, and still run a six-figure gap against what their incomes actually call for. Oneday closes it the Alberta way: straight answers, a published price, and a decision within 24 hours. No exam, no middlemen.
Check my price- No exam, ever
- Decision within 24 hours
- Every applicant 18–80 gets an offer
- No email wall
Why Oneday here
Clear, upfront, and done before your coffee’s cold.
Albertans don’t haggle at the pump and shouldn’t have to haggle for life insurance. The price is printed, the questions are plain, and nobody calls you unless you ask.
No exam, wherever you live
14 plain-language questions replace the medical exam entirely. Whether you’re downtown Calgary or three hours up Highway 63, coverage doesn’t require a clinic.
Upfront pricing, no hidden fees
The rates on this page are real, the $30 annual policy fee is already baked in, and your exact figure appears in self-checkout before you commit to anything.
The honest part
Depending on your health answers, a 24-month deferral can apply: accidental death is covered in full from day one, and if you pass from natural causes in the first 24 months, every premium is returned to your beneficiary. You see whether it applies before you pay a cent.
Alberta by the numbers
First in coverage. Still about $131,400 short.
$572,000
Average coverage per insured Alberta household, the highest in Canada (CLHIA, 2024).
~18.6% underinsured
Alberta’s higher incomes push the recommended benchmark to roughly $703,400, leaving the average insured household about $131,400 short.
81.9 years
Average life expectancy in Alberta (Statistics Canada). A long horizon makes the term length you pick, and the price you lock in, a real decision.
Sources: CLHIA Canadian Life & Health Insurance Facts (2024 edition); Statistics Canada provincial life tables. Benchmarks are population averages, not advice, your own number comes from your debts, income, mortgage, and kids.
No email wall
What it actually costs in Alberta.
Real rates from our calculator, published right here. The same prices apply in every province we serve, Alberta included, no surprises.
| Coverage | Age 35 | Age 45 | Age 55 |
|---|---|---|---|
| $100,000 | $20.00 | $20.00 | $41.04 |
| $250,000 | $27.68 | $45.45 | $98.55 |
| $500,000 | $52.65 | $88.20 | $194.40 |
Rates shown are for a female non-smoker, 10-year term, our best-price tier, age nearest birthday, and include the $30 annual policy fee. Our minimum premium is $20 per month. Premium figures are illustrations, not an offer of insurance, your rate is confirmed during the application, before any payment is taken. Underwritten by Humania Assurance Inc.
See my real priceHow much do I need?
Skip the guesswork. Use DIME.
Four numbers you already know, added together. With Alberta incomes, the I is usually the number that surprises people, replacing a strong income takes more coverage, not less.
D, Debt
Credit cards, the truck loan, lines of credit, everything you’d rather not leave behind.
I, Income
Your annual income times the number of years your family would need it to keep life on track.
M, Mortgage
The balance left on your home, so your family keeps the house, not the payments.
E, Education
Future school costs for your kids, from daycare through tuition.
Add the four together and you have your target. Oneday coverage runs up to $500,000, so most answers fit. Curious what shape the offer takes? See our products.
Regulation & protection
Regulated the boring way. On purpose.
Oneday is a brand of Oneday TPA Inc., a licensed insurance intermediary and third-party administrator, not an insurer. In Alberta, the insurance marketplace is overseen by the Office of the Superintendent of Insurance (Alberta Treasury Board and Finance), and insurance intermediaries are licensed through the Alberta Insurance Council. Our home regulator is the Financial Services Regulatory Authority of Ontario (FSRA), and we operate under Alberta’s regulatory framework here.
Every policy we administer is underwritten and guaranteed by Humania Assurance Inc., a Canadian life insurer founded in 1874. We’re licensed to operate in seven provinces: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia. See everywhere Oneday is available.
Alberta questions
What Albertans ask us.
Is Oneday available everywhere in Alberta?
Yes. Calgary, Edmonton, Fort McMurray, Lethbridge, or an acreage an hour from the nearest Tim’s, if you live in Alberta, you can apply online today. Alberta is one of seven provinces we serve, alongside Ontario, British Columbia, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia.
Do I need a medical exam to get life insurance in Alberta?
No, never, with Oneday. You answer 14 plain-language questions about your health and lifestyle instead. No clinic visit, no needles, no doctor’s note. You see your real price before you commit to anything, and you get a decision within 24 hours.
Can I be declined?
No. There is no decline letter here. Tougher health answers change the amount, the price, and whether a 24-month deferral applies, but every applicant aged 18 to 80 receives a real offer.
How much life insurance does the average Albertan need?
Use DIME: add your Debts, your Income times the number of years your family would need it, your remaining Mortgage, and future Education costs for your kids. That total is your target. Albertans already lead the country at about $572,000 of coverage per insured household (CLHIA, 2024), but with Alberta incomes, the benchmark need is higher still, around $703,400.
Who regulates my life insurance in Alberta?
Insurance in Alberta is regulated provincially: the Office of the Superintendent of Insurance (Alberta Treasury Board and Finance) oversees the insurance marketplace, and the Alberta Insurance Council licenses the people who sell it. Oneday is a brand of Oneday TPA Inc., a licensed insurance intermediary and third-party administrator; our home regulator is FSRA in Ontario, and we operate under Alberta’s regulatory framework here.
Who underwrites my policy?
Oneday TPA Inc. designs the products, runs the technology and administers your policy. The insurance itself is underwritten and guaranteed by Humania Assurance Inc., a Canadian life insurer founded in 1874. Your contract is with Humania. Your day-to-day experience is with us.
Find out in 60 seconds if we can cover you.
No email required. Rates are set by your age at application and go up on your birthday, checking today locks in today’s age.
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