Life insurance for the heart of the Maritimes.
New Brunswickers look after their own, and the numbers show it. Oneday keeps it that simple: 14 plain-language questions, your real price on the page, and a decision within 24 hours. No medical exam, no waiting rooms, no jargon in either official language of runaround.
Check my price- No exam, ever
- Decision within 24 hours
- Every applicant 18–80 gets an offer
- No email wall
Why Oneday here
Simple, fair, and made to last. Very New Brunswick of us.
No broker’s office in a strip mall, no exam at a clinic two towns over. The whole application happens wherever you are, on whatever you’re holding.
No exam, and no doctor needed
14 plain-language questions replace the medical exam entirely. In a province where a family doctor can be a waitlist away, coverage here never depends on getting an appointment.
Honest pricing, no unexpected costs
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.
New Brunswick by the numbers
On average, NB households actually hit the benchmark. Averages lie.
$375,000
Average life insurance coverage per insured NB household (CLHIA, 2024), right around the recommended provincial benchmark of ~$372,600.
The catch
That average hides real variation: nearly a third of Canadian adults still report a personal coverage gap. A healthy provincial average doesn’t protect your household, your own policy does.
80.7 years
Average life expectancy in New Brunswick (Statistics Canada). The term you choose, and the age you lock your price at, still shape what your family keeps.
Sources: CLHIA Canadian Life & Health Insurance Facts (2024 edition); LIMRA (2024); 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 New Brunswick.
Real rates from our calculator, published right here. The same prices apply in every province we serve, Maritimers don’t pay a different rate than Toronto.
| 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. NB 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 New Brunswick, insurance is regulated by the Financial and Consumer Services Commission (FCNB), which oversees the marketplace and licenses insurance intermediaries in the province. Our home regulator is the Financial Services Regulatory Authority of Ontario (FSRA), and we operate under New Brunswick’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.
New Brunswick questions
What New Brunswickers ask us.
Is Oneday available everywhere in New Brunswick?
Yes. Moncton, Saint John, Fredericton, Miramichi, or a road that floods every spring, if you live in New Brunswick, you can apply online today. New Brunswick is one of seven provinces we serve, alongside Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, and Nova Scotia.
Do I need a medical exam to get life insurance in New Brunswick?
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 in a province where a family doctor can be hard to come by. 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 New Brunswicker 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. On average, insured NB households hold about $375,000 of coverage, right around the provincial benchmark. But averages hide a lot: yours should come from your own four numbers, not the province’s.
Who regulates my life insurance in New Brunswick?
The Financial and Consumer Services Commission of New Brunswick (FCNB) regulates insurance in the province, including licensing the 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 New Brunswick’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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