Your legacy, your way.
Coverage built around your life, not a family template. Answer 14 plain-language questions online, see your real price with no email wall, and get a decision within 24 hours.
Check my price- No exam, ever
- Decision within 24 hours
- Price locked for the term
- 30-day free look
Built for one
Life insurance that fits a party of one.
Most life insurance is sold as a family product. Yours doesn’t have to be. Whether you’re single, early in your career, or simply the one who handles your own affairs, coverage is about the people and plans you choose.
Coverage made for you
With or without dependents, you pick the amount ($5,000 to $500,000) and the shape, term coverage for a season of life, or a permanent option that stays for good.
Level premiums
Your price is set by your age at application and locked for the full term. It never rises because your health changes or a birthday passes.
Preserve what’s yours
Name the beneficiaries you choose, a partner, a sibling, a parent, a business, a charity, so your home, savings, or business lands in good hands.
No dependents yet?
Four reasons coverage still makes sense solo.
Lock in today’s price
Rates are set by your age at application and go up on your birthday. Buying younger and healthier keeps the price lower for the entire term.
Protect a co-signer
If a parent or partner co-signed a mortgage, loan, or lease, coverage means that debt never becomes their burden.
Cover final expenses
A funeral in Canada commonly runs thousands of dollars. Even a modest policy means nobody you love is handed that bill.
Secure tomorrow’s plans
Coverage you buy today doesn’t care what your health looks like in ten years. It’s insurability, banked for the family you might build.
How it works
Start to finish online. A human when you want one.
Answer simple questions
Height, weight, and 14 health questions in plain language. No medical exam, no doctor’s note, no blood work.
About 5 minutesSee your real price
No email wall, no callback required. The price you see already includes the $30 annual policy fee, it’s the number you pay.
No email wallGet your decision
A decision within 24 hours, and every applicant aged 18 to 80 receives an offer. Buy when you’re ready, 30-day free look, full refund.
Within 24 hoursRather talk it through? Licensed advisors, no pressure, 1 800 655 2795.
How much coverage?
Skip the guesswork. Use DIME.
Add four numbers and you have a target that actually reflects your life.
D, Debt
Credit cards, car loans, student loans, and anything else that wouldn’t be forgiven.
I, Income
Your annual income times the number of years anyone would need to replace it. Solo? This can be zero.
M, Mortgage
The balance remaining on your mortgage, so the home stays a home.
E, Education
Future education costs for kids, if and when they’re part of the plan.
The total is your target. Coverage at Oneday runs from $5,000 to $500,000.
No email wall
Real prices, published.
Most insurers make you hand over your email and phone number to see a number. Here are real rates, straight from our calculator.
| 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 illustrative: female non-smoker, 10-year term, Prime tier, age nearest birthday, including the $30 annual policy fee. Our minimum premium is $20 per month. Not an offer of insurance, your rate is confirmed during the application, before any payment is taken. Underwritten by Humania Assurance Inc. Curious how the four tiers work? See all products.
See my real priceThe honest part
Every applicant 18 to 80 gets an offer. Here’s the catch, plainly.
Healthier answers
Full coverage from day one, no deferral, our best prices, and the widest choice of coverage amounts and term lengths.
Some policies start with a 24-month deferral
If your health history is more complicated, full natural-cause coverage starts after 24 months: accidental death pays the full amount from day one, and natural death in that window returns every premium paid to your beneficiary, Oneday keeps nothing.
Either way, a real offer
Tougher answers change the amount, the price, and whether a deferral applies, they never close the door. There is no decline letter here.
Before you start
Questions individuals actually ask.
What makes Oneday a good fit for individuals?
Everything runs online, in plain language. You answer 14 simple health questions, no medical exam, no doctor’s note, no blood work, see your real price without handing over your email first, and get a decision within 24 hours. Every applicant aged 18 to 80 receives an offer.
I don’t have kids or a spouse. Does life insurance still make sense?
Often, yes. Coverage can protect a co-signed loan or mortgage, cover final expenses so nobody else has to, leave something to a sibling, parent, or charity, and lock in today’s pricing while you’re younger and healthier. Rates are set by your age at application, so starting earlier keeps the price lower for the whole term.
How much coverage should I get?
A simple rule of thumb is DIME: add your Debts, your Income times the number of years anyone would need it, your remaining Mortgage, and future Education costs. That total is your target. Coverage at Oneday runs from $5,000 to $500,000, so most answers fit.
Will I need a medical exam?
No. There is no medical exam at Oneday, ever. We ask 14 plain-language health questions plus your height and weight. Your answers determine your offer, and if you say yes to something we ask a follow-up instead of failing you.
How are my premiums determined?
Your age at application, gender, smoking status, health answers, coverage amount, and term length. Once approved, your premium is locked for the full term, it never goes up because your health changes. Every price we quote already includes the $30 annual policy fee.
What happens if I miss a payment?
You get a grace period to catch up before anything changes, and we’ll reach out first. If the policy does lapse, reinstatement may be possible under your policy’s terms. The details are printed in your contract, not buried, and an advisor can walk you through them any time.
Where is Oneday available?
Seven provinces: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia.
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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