Life Insurance Quotes in Ontario

Save time and money by comparing life insurance quotes instantly from 20+ of Canada’s top insurers.

Get Quotes No obligation • Free to use
Term • Whole Life • No-Medical

Your Trusted Ontario Life Insurance Brokers

About Life Insurance Solutions

We help Canadians protect what matters most. Our caring advisors provide clear, personalized guidance tailored to your lifestyle, health, and budget.

  •   Serving all of Ontario, including the GTA and rural/remote areas.
  • We specialize in helping clients of all backgrounds — from individuals with challenging health histories to those in excellent health.
  • Independent advice with access to multiple leading Canadian insurers.
  • Compassionate, licensed brokers guiding you every step of the way.

Our Insurance Products

Speak with one of our caring Life Insurance brokers today to get your personalized quote.

Personalized attention and expert advice from start to finish.

Your peace of mind is our priority — let's find your perfect life insurance solution today.

Life Insurance Solutions Canada Inc.

Compare Life Insurance Rates Online With SmartLife Quotes

Couple comparing life insurance quotes together on a laptop at home.

🌟 A Breakthrough for Canadians

Life Insurance Solutions proudly introduces SmartLife Quotes™, an innovative new system designed to transform how Canadians explore and compare life insurance rates for free.

In an era where financial decisions often feel complicated, SmartLife Quotes™ brings clarity, calm, and control. It’s not just another quote tool—it’s an intelligent companion that guides users through the process with empathy, intelligence, and complete transparency.

Life Insurance Solutions Canada Inc. — Best of Best Review winner, Best Life Insurance Quote Service in Canada, 2026 Read the SmartLife Quotes™ press release on StreetInsider Read the BizWeekly article about making life insurance comparisons easier for Canadians Read the CEO Times article: Stacy Gilmore Makes Life Insurance Clearer in Ontario, Canada
Learn about SmartLife Quotes™
App screen 1 App screen 2 App screen 3 App screen 4 App screen 5 App screen 6App screen 7 App screen 8

Try SmartLife Quotes!

“SmartLife Quotes™ is designed to give Canadians a clear and transparent view of life-insurance pricing. SmartLife Quotes™ allows you to understand your options instantly — without sales pressure, hidden steps, or guesswork.”

Online Life Insurance Quotes in Ontario

Free Instant Life Insurance Quotes

Get free, personalized quotes in under 30 seconds — free to use. Not sure how much coverage? Try our Insurance Needs Calculator.

Get Quotes
No obligation · Free to use

Confirm Eligibility

When you choose a quote and click Apply, a licensed advisor will confirm eligibility and help you compare the best-fit options: Traditional, No-Medical, Guaranteed Acceptance, and Final Expense life insurance.

  • 🔍Compare Canada’s top insurers side-by-side.
  • 📞Friendly follow-up from a licensed advisor (only if you choose to apply)

Easy Online Application

When you’re ready to apply, we’ll complete your life insurance application using secure e-forms — guided, straightforward, and handled over the phone with a licensed Canadian advisor.

  • 🛡️Safe, secure, and paperless
  • ⚡Convenient — no office visits needed.

Our mission is to make it easy to compare life insurance in Ontario, Canada — with fast, transparent quotes and no-pressure support when you’re ready.

SmartLife Quotes by Life Insurance Solutions Canada See My Best Life Insurance Rates Free, personalized quotes in under 30 seconds
No obligation. No pressure. Smart. Simple. Secure.
That’s SmartLife Quotes™.

Advisor SupportPrefer help from a licensed advisor first? 613-817-4822 Friendly, no-pressure guidance from licensed Canadian advisors.

Better Business Bureau accredited business logoBBB Rating | A+🔒 Private, secure, and your data is never sold,
only shared with licensed advisors at your request. Canadian-owned and operated Canadian-owned and operated

Life Insurance Solutions Reviews

Cate A
Verified Google 5 star review
Highly recommend Stacy Gilmore. He was very knowledgeable. Absolutely no pressure. A pleasure doing business with him!
Mila
Verified Linkedin 5 star review
Stacy was professional and patient when it comes to helping me and my husband with our insurance needs. We are happy to be supported by him! I definitely recommend him as a knowledgeable, understanding and kind staff for your insurance needs.
Shoumen S
Verified Google 5 star review
Awesome experience!! Stacy is very helpful and professional. Thanks for his great customer service while taking service for my family and friends. He has answered all my questions in a very professional, helpful and understanding way. He has made the whole process easier. I highly recommend him for insurance.
Paige
Verified Linkedin 5 star review
It was my first foray into life insurance and, given the plethora of options available I was very hesitant to make that type of commitment. Thankfully I was introduced to Stacy. He made the process so much simpler and answered any and all questions in a way that did not make me feel daft.
Al
Verified Google 5 star review
Stacy Gilmore has helped me over the last few years with my Travel Insurance needs. He is knowledgeable and most importantly patient and not pushy. i always feel like hes looking out for me not the commission. Thank you Stacy and Life Insurance Solutions .
Jess
Verified Google 5 star review
Highly recommend Life Insurance Solutions! Efficient, honest, and affordable rates. Our family is now protected should anything happen, and that’s thanks to Life Insurance Solutions !
Kailey
Verified Google 5 star review
Needed this, glad I found it! Easy service, fast and reliable
Terry
Verified Google 5 star review
You were very professional and really helped me make the best decision as to which insurance I should have - a simple process. Thank you so much for your help. I highly recommend Life Insurance Solutions, especially Stacy Gilmore.
Cameron M.
Verified Google 5 star review
Thank you so much for helping protect my family with your awesome rates. As a type 1 diabetic it can be difficult to be approved for life insurance, you were able to get me an affordable rate quickly and efficiently! Highly recommend Life Insurance Solutions, specifically Stacy Gilmore!
Zelda C.
Verified Google 5 star review
They were very helpful and guided me regarding my life insurance. I was more than happy knowing that I was in good hands with my agent. He was never pushy, and always treated me in a professional manner. Thanks again Mr Stacy Gilmore.
Corry S
Verified Google 5 star review
Stacy was extremely helpful and courteous!!! Getting our insurance from him was an excellent experience. We are very pleased with the service.
Stephen G.
Verified Google 5 star review
Great rate and friendly service provided by Stacy Gilmore. Thank you

  • Best Life Insurance in Canada: 2025 Ultimate Company Comparison Guide
    Best Life Insurance in Canada

    Choosing the best life insurance in Canada involves sorting through over 65 active providers to find the perfect match for your unique needs. This decision matters greatly - in 2022 alone, Canadian life insurers paid out $16.1 billion in benefits to policyholders and their families, underscoring the vital importance of this financial safety net.

    When searching for the right provider, several standout companies are worth considering. Canada Life, Sun Life, Manulife, and Industrial Alliance all hold A+ financial strength ratings from AM Best—a clear sign of their stability and reliability.

    These industry giants manage impressive premium volumes, with Canada Life handling $34.9 billion and Manulife overseeing $43.5 billion in 2024.

    Read more: Best Life Insurance in Canada: 2026 Comparison Guide

Common questions about life insurance in Ontario, Canada?

How much life insurance do I need?

The amount of life insurance you need depends on various factors, including your financial obligations and goals. A commonly recommended guideline is to have coverage that is at least 5-10 times your annual income. However, this may vary based on individual circumstances. Consider factors such as outstanding debts, mortgages, education expenses, income replacement and budget when determining your coverage amount.

Needs Calculator

What is the difference between term insurance and permanent insurance?

Term life insurance provides coverage for a specific term, while permanent life insurance offers lifelong coverage. Term life insurance is more affordable but has no cash value, whereas permanent life insurance accumulates a cash value over time. The choice between the two depends on your needs, budget, and preferences.

Can I get life insurance if I have pre-existing medical conditions?

Yes, it is possible to get life insurance if you have pre-existing medical conditions. However, the availability and cost of coverage may vary depending on the severity of the condition. Some insurance providers specialize in offering coverage to individuals with pre-existing conditions, so it's worth exploring your options and working with an experienced insurance broker as we offer here at Life Insurance Solutions.

How much does life insurance cost in Ontario, Canada?

The cost of life insurance in Canada varies depending on several factors, including age, health, lifestyle, coverage amount, and policy type. Generally, term life insurance is more affordable than permanent life insurance. To obtain the best life insurance in Ontario at the most competitive rates, you can use our free online life insurance quotes Ontario tool. 

  Get Instant Quotes for Free!

Can I change my life insurance policy in the future?

Yes, it is possible to change your life insurance policy in the future. Many life insurance policies offer flexibility and options to modify your coverage as your needs change. This may include increasing or decreasing your coverage amount, extending the term, or adding riders. However, it's important to review the terms and conditions of your policy and consult with your insurance provider to understand the options available to you.

How to apply for life insurance in Ontario, Canada.

To apply for life insurance in Ontario, Canada, follow these steps:

  1. We will assist you in researching and comparing insurance providers to find the one that offers the best coverage you need.
  2. Contact us and work with one of our licensed life insurance brokers to discuss your individual needs and get quotes from Canada's top insurance companies.
  3. We will complete the online application form accurately, providing all required information about your health, lifestyle, and other relevant details.
  4. If necessary, you may need to undergo a medical examination or provide additional medical information as requested by the insurance company.
  5. Review the terms and conditions of the policy, including coverage, exclusions, limitations, and premium payments.
  6. Pay the initial premium to activate the policy once it is approved.

It's important to be honest and provide accurate information during the application process to ensure you get the right coverage and avoid any issues with future claims.

  Get Instant Quotes