Co-operators - Insurance
Founded: 1945

  • Term Insurance
    Permanent Insurance
    Participating Insurance
    Universal Insurance
    Critical Illness Insurance

LICAT Ratio 2022
Financial Rating: A

co operatorsWelcome to Life Insurance Solutions, your trusted independent brokers in Ontario, Canada! We understand the importance of securing your loved one's financial future and maintaining your lifestyle. That's why we are here to provide unbiased and crystal-clear life insurance advice, specializing in Co-operators Life Insurance. Whether you're a difficult-to-insure individual or in excellent health, we have solutions tailored to your needs.

Understanding Co-operators Life Insurance

Co-operators Life Insurance offers a range of coverage options to protect what matters most to you. From basic coverage to flexible plans that help you grow your savings, Co-operators has you covered at every stage of life. Their solutions include options for starters, families, and those planning for retirement.

Starters Plan: Protecting Your Financial Future

If you're just starting out, Co-operators offers life insurance plans that meet your budget and needs. With the Starters Plan, you can protect your financial future without breaking the bank. This plan provides coverage that secures the value of your estate and ensures the well-being of your loved ones.

Family Coverage: Protecting Your Loved Ones

Life is unpredictable, and it's essential to protect your loved ones against the unexpected. Co-operators offers the right coverage to safeguard your family's financial well-being. With their family coverage options, you can have peace of mind knowing that your loved ones are protected.

Retirement Planning: Securing Your Lifestyle and Wealth

As you plan for retirement, Co-operators provides coverage that not only secures your lifestyle but also helps you grow your savings. Their retirement solutions come with built-in savings and offer opportunities to build your wealth while ensuring lifelong coverage.

Exploring Co-operators Life Insurance Options

Co-operators understands that everyone's insurance needs are unique. That's why they offer flexible and affordable solutions tailored to your specific situation. Let's take a closer look at the types of life insurance coverage they provide.

Permanent Life Insurance: Lifelong Coverage and Wealth Building

Co-operators' permanent life insurance plans offer lifelong coverage with guaranteed premiums. These plans adapt to your changing needs and can even provide opportunities to build wealth over time. With permanent life insurance, you can enjoy the peace of mind that comes with knowing your coverage is in place for the rest of your life.

Critical Illness Insurance: Protection Against Life-Altering Conditions

In addition to life insurance, Co-operators offers critical illness insurance to provide financial support in the face of life-altering conditions. With this coverage, you receive a tax-free payout if you're diagnosed with a covered condition. Depending on the policy, you may also have the opportunity to recover your premiums upon surrender or expiry if you remain claim-free.

Mortgage Insurance: Protecting Your Home and Finances

Co-operators understands the importance of protecting your mortgage. Their mortgage insurance plans offer comprehensive coverage that includes life insurance, optional critical illness coverage, and disability insurance. With this convenient plan, you can safeguard your home and finances all in one place.

Choosing the Right Co-operators Life Insurance Coverage

When it comes to selecting the right coverage, Co-operators takes the time to understand your situation and find the best fit for you. Whether you need term or permanent insurance, critical illness or disability coverage, or a combination of policies, their team of experts will guide you every step of the way.

Whole Life Insurance: Lifetime Coverage with Built-In Savings

Co-operators' Whole Life suite of insurance provides lifetime coverage with guaranteed premiums. These policies come with built-in savings and the potential to earn dividends. With Whole Life insurance, you can cover all your permanent life insurance needs, including funeral and estate-settlement costs, debt repayment, and other final expenses.

Universal Life Insurance: Maximum Flexibility in Coverage

For those seeking maximum flexibility in their coverage, Co-operators offers Universal Life insurance. This type of policy allows you to manage your financial portfolio both now and in retirement. It provides protection for your wealth and the ability to grow savings in a tax-advantaged environment. With multiple investment accounts tailored to your risk profile, you have the freedom to customize your coverage.

Infinity Term® Insurance: Full Coverage without Savings Component

If you're looking for straightforward coverage without a savings component, Infinity Term® insurance is an excellent option. This policy provides full coverage for a set term, with level guaranteed premiums that are fully paid up at a specific age. You can customize your plan with a variety of riders and benefits to meet your unique needs.

Responsibility® and Responsibility PLUS® Insurance: Affordable Coverage for All

Co-operators also offers Responsibility® and Responsibility PLUS® insurance for those on a fixed retirement income or concerned about permanent life insurance costs. These plans provide affordable coverage with no medical examination or blood test required. With Responsibility® insurance, you can cover funeral costs, and outstanding debts, provide financial support for loved ones or a favourite charity, and contribute to education plans for children or grandchildren.

Additional Benefits of Co-operators Life Insurance

Co-operators goes above and beyond to provide added value to their life insurance policies. When you choose Co-operators Life Insurance, you can enjoy the following benefits:

Teladoc Medical Experts: Access to Expert Advice

When you add the optional riders for disability protection or critical illness coverage, you gain access to Teladoc Medical Experts. This service connects you with top medical professionals who can provide advice and support when you need it most. Whether you have questions about a diagnosis or need guidance on your health, Teladoc Medical Experts are there to help.


Life Insurance Solutions is your trusted source for Co-operators Life Insurance. We understand the importance of protecting your loved ones and securing your financial future. With Co-operators' range of coverage options, you can find the right plan to meet your needs at every stage of life. Whether you're just starting out, building a family, or planning for retirement, Co-operators has you covered. Contact us today to get personalized solutions that fit your needs and budget.