Life insurance in Manitoba, minus the trip into Winnipeg.
Whether you’re in Wolseley or an hour past the Perimeter, the old way of buying life insurance meant appointments: a broker’s office, a clinic, a nurse with a needle. Oneday deleted all of it. Answer 14 plain-language questions, see your real price, and get 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
Friendly Manitoba deserves insurance that acts like it.
No broker’s office, no clinic, no paperwork chase. The whole application happens wherever you are, on whatever you’re holding.
No exam, and no drive to get one
14 plain-language questions replace the medical exam entirely. Coverage never depends on booking a clinic, finding a family doctor, or making the trip into the city.
Read how no medical exam life insurance in Canada works, including the trade-offs.
Your real price, published
Most insurers make you trade an email and phone number just to see a quote. Ours is on this page, and the 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.
Manitoba, specifically
Built to reach past the Perimeter.
One province, two realities
Life in Winnipeg and life on a grain operation near Swan River run on different clocks. The application doesn’t care: it’s the same 14 questions from a kitchen table anywhere in the province.
Weather-proof, harvest-proof
A January blizzard or a long week of harvest can cancel most appointments. It can’t cancel this one, because there is no appointment. Apply at any hour, in any season.
No scary averages
We could wave provincial coverage statistics at you. We’d rather not. Averages know nothing about your mortgage, your kids, or your plans. Use the DIME method below and get your number, not Manitoba’s.
No email wall
What it actually costs in Manitoba.
Real rates from our calculator, published right here. The same prices apply in every province we serve, no prairie markup, no postal-code games.
| 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. Manitoba mortgages are gentler than Toronto’s or Vancouver’s, which usually means the I, the income your family would need to replace, is your biggest line.
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, 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 Manitoba, insurance oversight is shared: the Financial Institutions Regulation Branch (FIRB) licenses and regulates the insurers operating in the province, and the Insurance Council of Manitoba licenses and regulates the agents, brokers, and adjusters who serve you. Our home regulator is the Financial Services Regulatory Authority of Ontario (FSRA), and we operate under Manitoba’s regulatory framework here.
The Open Series is underwritten 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.
Coverage types in Manitoba
Every kind of no-exam coverage, one application.
Term life insurance
10, 20 or 30 years of level coverage for the mortgage-and-kids chapter, with real published prices.
Permanent life insurance
Coverage with no expiry date, for final expenses and legacy. Everyone 18 to 80 qualifies.
Final expense insurance
A smaller permanent policy sized to funeral and final bills.
Guaranteed issue
The yes that is always there, up to $50,000, no health answer can remove it.
Manitoba questions
What Manitobans ask us.
Is Oneday available everywhere in Manitoba?
Yes. Winnipeg, Brandon, Steinbach, Thompson, Portage la Prairie, or a farmhouse at the end of a section road, if you live in Manitoba, you can apply online today. Manitoba is one of seven provinces we serve, alongside Ontario, British Columbia, Alberta, Saskatchewan, New Brunswick, and Nova Scotia.
Do I need a medical exam to get life insurance in Manitoba?
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, which matters when the nearest clinic can be an hour of highway away. 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 Manitoban 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. It beats guessing, and it beats copying a provincial average that knows nothing about your mortgage, your kids, or your plans.
Who regulates my life insurance in Manitoba?
Two bodies share the job. The Financial Institutions Regulation Branch (FIRB) licenses and regulates the insurers operating in Manitoba, and the Insurance Council of Manitoba licenses and regulates the agents, brokers, and adjusters who serve you. 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 Manitoba’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 by Humania Assurance Inc., a Canadian life insurer founded in 1874. Your contract is with Humania. Your day-to-day experience is with us.
Can I get life insurance in Manitoba without a medical exam?
Yes. Oneday never requires a medical exam, blood work or a doctor’s note, whether you are in Winnipeg, Brandon or anywhere else in the province. The application is 14 plain-language health questions plus height and weight, your price is shown before any payment, and a decision arrives within 24 hours. Manitoba applicants are served entirely online, whatever the weather.
What kinds of life insurance can I get in Manitoba?
Term coverage (10, 20 or 30 years, up to $500,000 with the healthiest answers), permanent coverage that stays for life, final expense coverage sized to end-of-life costs, and a guaranteed-acceptance offer of up to $50,000 that no health answer can remove. One 14-question application places you in the strongest offer; every applicant aged 18 to 80 in Manitoba receives one.
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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