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Average Term Life Insurance
Rate By Age

Age/Sex	$500K Coverage	$750K Coverage
25 year old female	$14.90	$18.67
25 year old male	$19.47	$25.15
35 year old female	$16.28	$20.76
45 year old female	$27.51	$34.99
55 year old female	$53.99	$73.75
55 year old male	$90.81	$81.19

Methodology: The table displays average life insurance premiums in Canada in 2025. To keep costs lower, we compare all major Canadian providers, ensuring the most competitive rates. Rates shown are for a non-smoking individual on a 20-year term policy with a T-20 year term length.

From Quote To Coverage in 3 Steps

No lengthy paperwork, no in-person meetings. Just a fast, supported path to the right coverage.

Get Set Up

Answer a few quick questions about your coverage needs. It takes under 2 minutes.

Get Your Coverage Options

Compare rates and quotes from Canada's top providers, side by side, with no obligation to commit.

Apply With Advisor Support

Your licensed advisor handles your application from start to finish — and ensures you get the best rate.

How Much Term Life Insurance Do You Need?

It depends on your situation. These four factors will help you estimate the right amount.

Debt

Include all outstanding debts: car loans, student loans, lines of credit, and any balances that will need to be paid off.

Income

Multiply your annual income by 10. This is the standard benchmark used for determining replacement income needs.

Mortgage

Add the remaining balance on your home loan so your family won't have to worry about losing the roof over their heads.

Children's Education

Factor in the cost of schooling so your children's future will be supported regardless of your children's stage in life.

Common Questions

Frequently Asked Questions

Need more information? You can find it here

We're a life insurance broker. We compare policies from Canada's top insurers and help you apply — all from home, with no in-person meetings required.

If anyone depends on your income — a spouse, children, or aging parents — life insurance ensures they're protected financially if something happens to you. It can cover your mortgage, debts, and future expenses like education.

After getting your quote, a licensed Dundas Life advisor will reach out to help you choose the best option for your needs. They'll guide you through the application process, answer any questions, and handle the paperwork.

Yes. Dundas Life Inc. (FSRA #37628M) is a fully licensed and regulated insurance brokerage operating across Canada. We're proudly regulated by FSRA and insured under RIBO, giving you full consumer protection.

We specialize in term life insurance and whole life insurance. We compare policies from Canada's top rated insurers to find the best coverage and rates for your situation.

We earn a commission from the insurance company when a policy is placed. This means our service is completely free to you — the price you pay is the same whether you go through us or directly to the insurer.

Often, yes. Because we compare rates across multiple insurers, we can find you the most competitive pricing. You'll never pay more going through Dundas Life than going directly to an insurer — and often you'll pay less.

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