Life insurance in Ontario, without the Ontario-sized runaround.
Ontario is Canada’s biggest life insurance market, and the easiest place to get buried in brokers, exams, and quote walls. Oneday deleted all three. 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
Built in Ontario. Regulated in Ontario. Honest everywhere.
FSRA, Ontario’s financial services regulator, is our home regulator. That means the province where you live is also the province where we answer for how we operate.
No exam, no paperwork chase
14 plain-language questions replace the medical exam entirely. No clinic booking in a city where everything books out, no waiting on records from your family doctor.
Your real price, published
Most insurers make Ontarians 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.
Ontario by the numbers
The average Ontario household is about $145,600 short.
$514,000
Average life insurance coverage per insured Ontario household (CLHIA, 2024), one of the largest markets in the country.
~22% underinsured
Against a recommended benchmark of roughly $659,600, the average insured household is short by about $145,600.
82.5 years
Average life expectancy in Ontario (Statistics Canada). Longer lives make the length of your term, and the price you lock in, matter more, not less.
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 Ontario.
Real rates from our calculator, published right here. The same prices apply in every province we serve, no Ontario 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. With Ontario housing costs, the M is usually the big one, which is exactly why the provincial average falls short.
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 Ontario, our operations fall under the oversight of the Financial Services Regulatory Authority of Ontario (FSRA), the provincial regulator responsible for insurance conduct and consumer protection.
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.
Ontario questions
What Ontarians ask us.
Is Oneday available everywhere in Ontario?
Yes. If you live anywhere in Ontario, Toronto, Ottawa, Hamilton, Thunder Bay, or a township nobody spells right on the first try, you can apply online today. Ontario is one of seven provinces we serve, alongside British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia.
Do I need a medical exam to get life insurance in Ontario?
No, never, with Oneday. You answer 14 plain-language questions about your health and lifestyle instead. No needles, no nurse visit, 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 Ontarian 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. For context, the average insured Ontario household carries about $514,000 of coverage (CLHIA, 2024), but your number should come from your life, not the provincial average.
Who regulates my life insurance in Ontario?
The Financial Services Regulatory Authority of Ontario (FSRA) oversees insurance conduct in the province. Oneday is a brand of Oneday TPA Inc., a licensed insurance intermediary and third-party administrator operating under FSRA oversight.
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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