Ontario
Our home province, FSRA, Ontario’s financial services regulator, is our home regulator.
$514,000 average household coverage (CLHIA, 2024)
Ontario guide Seven provinces · One promise
Where Oneday is available.
Oneday serves seven provinces: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia. Same questions, same published prices, same decision within 24 hours, wherever in those seven you call home.
Check my price- No exam, ever
- Decision within 24 hours
- Every applicant 18–80 gets an offer
- Same price in every province we serve
Province by province
Pick yours.
Four provinces have their own local guides, regulator, coverage stats, and what the averages hide. The other three get the exact same coverage, minus the reading assignment.
British Columbia
Canada’s longest life expectancy, and one of its widest coverage gaps, thanks to BC mortgages.
$520,000 average household coverage (CLHIA, 2024)
British Columbia guideAlberta
The best-covered province in Canada. Albertans still run a six-figure gap against their incomes.
$572,000 average household coverage, highest in Canada (CLHIA, 2024)
Alberta guideManitoba
The full Oneday experience: 14 plain-language questions, no exam, a decision within 24 hours.
Full lineup available to Manitoba residents
Apply onlineSaskatchewan
Apply online from anywhere in the province, no clinic visit, no broker’s office, no paperwork chase.
Full lineup available to Saskatchewan residents
Apply onlineNew Brunswick
The heart of the Maritimes, where average coverage actually meets the benchmark. Averages still lie.
$375,000 average household coverage (CLHIA, 2024)
New Brunswick guideNova Scotia
Same published prices, same promise: every applicant aged 18 to 80 gets a real offer.
Full lineup available to Nova Scotia residents
Apply onlineAverage household coverage figures: CLHIA Canadian Life & Health Insurance Facts, 2024 edition.
The honest part
Where we’re not available (yet).
We’re not currently licensed in Quebec, Newfoundland and Labrador, Prince Edward Island, or the territories, so if you live there, we can’t offer you coverage today. No workaround, no wink. Licensing is province by province in Canada, and we only operate where we’re fully licensed to stand behind the policy.
If you live in one of the seven provinces we serve, everything on this site applies to you: no medical exam, your real price before any commitment, and a decision within 24 hours.
One experience
Seven provinces. Zero fine-print roulette.
Same questions
14 plain-language questions, whether you’re in Halifax or Kelowna. No medical exam, no doctor’s note, no clinic booking, ever.
Same prices
Your rate is set by your age, coverage, term, gender, and smoking status. Not your postal code. The prices we publish are the prices you get.
Same promise
Every applicant aged 18 to 80 receives a real offer, with a decision within 24 hours. Tougher health answers change the shape of the offer, never whether you get one. See how our products work.
Availability questions
Asked from every time zone we serve.
Which provinces does Oneday serve?
Seven: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia. If you live in any of them, you can apply online today and get a decision within 24 hours.
Why isn’t my province or territory listed?
We’re not currently licensed in Quebec, Newfoundland and Labrador, Prince Edward Island, or the territories, so we can’t offer coverage there today. We’d rather say that plainly than sell you something we can’t stand behind.
Does my price change depending on my province?
No. Your price is set by your age, coverage amount, term, gender, and smoking status, not your postal code. The rates we publish apply in every province we serve.
Who regulates Oneday?
Oneday is a brand of Oneday TPA Inc., a licensed insurance intermediary and third-party administrator. Our home regulator is the Financial Services Regulatory Authority of Ontario (FSRA), and we operate under the insurance regulators of each province we serve.
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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