Life Insurance For New Canadians
Affordable, flexible coverage designed for newcomers building a life in Canada.
Why Newcomers Choose Life Insurance in Canada
Instant Quotes: Compare personalized life insurance rates in minutes.
Easy Eligibility: Many newcomers qualify—no Canadian credit history required.
Protect Loved Ones Back Home: Coverage can support family whether they live in Canada or internationally.
Flexible Plans: Choose from Term, Whole Life, and Universal Life options.
Residency Requirements
• Canadian Citizen • Permanent Resident (PR) • PR in Process
Plan Options
Term • Permanent (WL & UL) • Non-Medical
Fast Approval
Many newcomers can be approved in days, not weeks.
Key Benefits of Life Insurance for Newcomers to Canada
- Affordable, Personalized Coverage: Newcomers can compare rates instantly and find plans that fit their budget, without needing years of Canadian financial history.
- Support for Family in Canada or Abroad: Life insurance benefits can help protect loved ones whether they live with you in Canada or remain overseas — offering peace of mind during your transition.
- Flexible Plan Options: Choose from Term, Whole Life, Universal Life, or Non-Medical plans, depending on your goals, budget, and long-term plans in Canada.
- No Canadian Medical History Needed: Non-Medical and simplified options allow newcomers to qualify without extensive medical records or long paperwork.
- Confidence While You Build Your Future: Life insurance is a foundation of financial stability in Canada, helping newcomers protect their families while working toward permanent residency, citizenship, and long-term success.
How To Apply for Life Insurance as a Newcomer to Canada
Applying for life insurance as a newcomer is simple — no Canadian credit history required. Here’s how to get started:
Tell us About Yourself: Quick questions to get started.
Compare Rates: Instantly view your best options.
Apply Online: Complete your application in minutes.
Verify Details: A licensed broker confirms everything.
Companies we work with
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We Are Changing Lives
As a former prospect, and now a current client, I can confidently recommend them for all of your life and health insurance needs. The team at LifeSimple was delight to deal with. They provided excellent client service, insightful analysis, relevant and catered advice, and kept me informed and confident about the products and applications at every step.
We Are Changing Lives
LifeSimple is so invested in our success, and through telephone calls and emails they always did their best. I am now a happy customer, and thanks to their quick responses and hard work I now have insurance for me and my family. This was such a professional experience, and it makes me feel confident knowing that I have them taking care of me.
We Are Changing Lives
We were very pleased with the services provided by LifeSimple. The prices were competitive and their responses were prompt, even being over Christmas holidays. The whole process was made easy for us and we have peace of mind going forward now that we have our own life insurance.
We Are Changing Lives
10 out of 10! I cannot recommend LifeSimple enough! They kept us updated every step of the way through the process of getting us set up for our insurance, and we could never have done it without them. They found us the best possible deal and gave their recommendations without any type of pressure. If you are ever in the market for life insurance, LifeSimple should be your first choice to reach out to!
Protect What Matters Most in Canada
You’ve worked hard to make Canada home. Get simple, no-obligation life insurance quotes made for newcomers—so your family here and back home are protected.
Frequently Asked Questions
Can I get life insurance in Canada if I’m new to the country?
Yes. Many insurers in Canada offer coverage to newcomers, even if you have no Canadian credit history or medical records.
Do I need permanent residency (PR) to qualify?
You don’t need PR, but most insurers require one of the following:
- Permanent Resident (PR)
- PR in progress
- Eligible work visas with at least 12 months in Canada
These are the main pathways for newcomers to qualify.
What documents do I need to apply?
Most applications require:
- Government ID (passport or Canadian ID)
- Visa or status documentation
- Basic personal and health information
Is a medical exam required for newcomers?
Often no. Many insurers offer non-medical (no exam) options for newcomers, depending on age and coverage amount.
Can I send the death benefit to family outside of Canada?
Yes. Beneficiaries can live anywhere in the world. Life insurance payouts can go to family in Canada or internationally.
Start Your Life in Canada With Confidence
