For the people who’d be lost without you.
Kids, mortgage, daycare, braces, your family runs on you. Coverage for parents who think ahead: 14 plain-language questions online, no medical exam, and a decision within 24 hours.
Check my price- No exam, no clinic visits
- Decision within 24 hours
- Price locked for the term
- 30-day free look
Why parents
The math of a family is bigger than a paycheque.
Life insurance for parents isn’t only about replacing income. It’s the mortgage staying paid, the education fund staying funded, and the everyday work of parenting, which would cost real money to replace, staying covered.
Keep the home a home
Your beneficiary, not the bank, receives the payout. Enough coverage means the mortgage gets cleared and your kids grow up where they already live.
Fund the plans you made
Education savings, activities, the gap years of childcare, coverage sized with DIME keeps the plans alive even if you’re not there to run them.
Stay-at-home parents count
No salary doesn’t mean no value. Insure the parent whose work would cost a second income to replace, on their own policy, at their own price.
Built for busy
Done before the kids wake up.
Answer simple questions
Height, weight, and 14 health questions in plain language. No clinic, no nurse visit, no juggling appointments around school pickup.
About 5 minutesSee your real price
No email wall, no callback required. The price already includes the $30 annual policy fee, the number you see is the number you pay.
No email wallGet your decision
A decision within 24 hours, and every applicant aged 18 to 80 receives an offer. Policy documents arrive by email. 30-day free look, full refund.
Within 24 hoursBoth parents applying? Each of you runs your own quick application, two policies, two prices, one evening.
How much coverage?
The DIME method, parent edition.
Four numbers. The fourth is the one parents most often forget.
D, Debt
Credit cards, car loans, lines of credit, everything that wouldn’t be forgiven.
I, Income
Your annual income times the years your kids would need it, a common rule of thumb is until the youngest turns 18.
M, Mortgage
The balance remaining on your mortgage, so the family home is never in question.
E, Education
What you’d want set aside for college or university, minus what’s already saved.
The total is your target. Coverage at Oneday runs from $5,000 to $500,000. As an illustration, $250,000 of coverage starts around $27.68/month for a 35-year-old female non-smoker on a 10-year term (Prime tier, includes the $30 annual policy fee; illustrative only, your rate is confirmed during the application, before any payment is taken).
Room to grow
Coverage that keeps up with your family.
Start where your budget is
Cover today’s essentials now, even a smaller policy beats a perfect one you never buy. Your price is locked for the full term once approved.
Top up at milestones
Another child, a bigger home, a new income, you can apply to add coverage as needs change, subject to underwriting and your age at the time.
The honest part
If your health history is more complicated, some policies start with a 24-month deferral: 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. Healthier answers get full coverage from day one, no deferral.
Before you start
Questions parents actually ask.
Can stay-at-home parents get life insurance?
Absolutely. No salary doesn’t mean no value: childcare, meals, driving, and the thousand jobs a stay-at-home parent does would cost real money to replace. You can insure yourself on your own application, sized to what your family would actually need to cover if you weren’t there.
How much coverage should a parent carry?
Use DIME: add your Debts, your Income times the years your kids would need it, your remaining Mortgage, and future Education costs. For most parents, education is the number the generic rules of thumb miss. Coverage at Oneday runs from $5,000 to $500,000, so most answers fit.
When is the right time to buy, during pregnancy, or after the baby arrives?
The earlier, the better. Rates are set by your age at application and go up on your birthday, so coverage bought during pregnancy or right after birth locks a lower price for the whole term. Big life moments, a new baby, a new home, a new job, are exactly when it’s worth checking.
Will I need a medical exam? I don’t have time for appointments.
No. There is no medical exam at Oneday, ever. It’s 14 plain-language health questions plus your height and weight, entirely online, and a decision within 24 hours. It fits inside one nap time.
I have a health condition. Can I still protect my kids?
Yes. Every applicant aged 18 to 80 receives an offer. Tougher health answers can change the amount, the price, and whether a 24-month deferral applies, but they never close the door. If a deferral applies, accidental death is covered in full from day one, and natural death in the first 24 months returns every premium paid to your beneficiary.
Can I adjust my coverage as our family grows?
Yes. As life changes, another child, a bigger mortgage, a new income, you can apply to add or layer coverage, subject to underwriting and your age at the time. Many parents start with what fits today’s budget and top up at the next milestone.
Do parents pay more because they have more responsibilities?
No. Your premium is based on your age, gender, smoking status, health answers, coverage amount, and term length, not on how many people depend on you. Being a parent changes how much coverage you might want, never what a dollar of it costs.
Where is Oneday available?
Seven provinces: Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia.
Five minutes tonight. Covered by tomorrow.
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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