Life insurance in BC, from the coast to the Kootenays.
British Columbians live the longest in the country and carry one of its widest coverage gaps, mostly because BC mortgages are a category of their own. Oneday makes closing that gap simple: 14 plain-language questions, your real price on the page, a decision within 24 hours.
Check my price- No exam, ever
- Decision within 24 hours
- Every applicant 18–80 gets an offer
- No email wall
Why Oneday here
Coverage that fits a BC life. Not a brochure.
Whether your commute is the SkyTrain, the Coquihalla, or a float plane, the application is the same: online, plain-language, and finished before you land.
No exam, no ferry required
14 plain-language questions replace the medical exam entirely. No clinic booking, no waiting on records, coverage works the same in Tofino as it does in Yaletown.
Transparent pricing, no surprises
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.
BC by the numbers
The average BC household is about $184,700 short.
$520,000
Average life insurance coverage per insured BC household (CLHIA, 2024).
~26.2% underinsured
Against a recommended benchmark of roughly $704,700, driven up by BC housing costs, the average insured household is short by about $184,700.
82.7 years
Average life expectancy in BC (Statistics Canada), among the longest in Canada. More years ahead means the term you pick, and the price you lock in, matter more.
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 BC.
Real rates from our calculator, published right here. The same prices apply in every province we serve, Vancouver postal codes don’t pay Vancouver premiums.
| 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. In BC, the M is almost always the biggest line, which is exactly why the province’s coverage gap is one of the widest in Canada.
D, Debt
Credit cards, car loans, 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, in BC, the number that usually decides everything else.
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 British Columbia, the insurance marketplace is regulated by the BC Financial Services Authority (BCFSA), a Crown agency that protects consumers and enforces fair conduct, while the Insurance Council of British Columbia licenses agents and intermediaries under the Financial Institutions Act. Our home regulator is the Financial Services Regulatory Authority of Ontario (FSRA), and we operate under BC’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.
BC questions
What British Columbians ask us.
Is Oneday available everywhere in British Columbia?
Yes. Vancouver, Victoria, Kelowna, Prince George, or a ferry ride from anywhere, if you live in BC, you can apply online today. British Columbia is one of seven provinces we serve, alongside Ontario, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia.
Do I need a medical exam to get life insurance in BC?
No, never, with Oneday. You answer 14 plain-language questions about your health and lifestyle instead. No clinic booking, 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 British Columbian 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. With BC housing prices, the mortgage line does the heavy lifting, which is a big part of why BC households run one of the widest coverage gaps in the country.
Who regulates my life insurance in British Columbia?
The BC Financial Services Authority (BCFSA), a Crown agency, regulates the insurance marketplace in BC, and the Insurance Council of British Columbia licenses the agents and intermediaries 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 BC’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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