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What people say after comparing rates on

Based on 447 reviews
June 23
Excellent opportunity
Excellent opportunity to explore and compare insurances rates. It was easy and I...
June 22
Best experience!
Exc, friendly customer service!
Pamela D.
June 22
This must be one of the quickest…
This must be one of the quickest response I have received online, with a super f...
June 21
Good job with the speed of a service
Good job with the speed of a service
Horace George Yeo
June 18
Great website First place I go to for…
Great website First place I go to for insurance quotes
Robert McMenemy
June 18
saving money
Interested with the results
cameron snider
June 15
prompt and diligent
prompt and diligent
June 6
It's simple
It's simple. I applied on line, answered to the best of my knowledge and hit sub...
Antonio Romanini
June 4
Very impressed with their quick…
Very impressed with their quick response. Within the next day I had an appointm...
James Hodge
June 2
Good service
Good service, recommend look for better rates
May 18
Sandra was amazingly personable
Sandra was amazingly personable, efficient and knowledgeable. Kudos! A great ser...
Rachel Constantine
May 13
Car and home insurance
It was great experience and very helpful for what I needed!!!!
Maria GEstrela
May 11
Very accurate quotes that are fast …
Very accurate quotes that are fast thanks guys
May 10
Very pleasant and helpful
Very pleasant and helpful. No pressure there for the client
Dakota JCooper
May 6
Great help and very nice people
Great help and very nice people, got everything figured out fast!
May 5
They so friendly and informative
They so friendly and informative! Keep it up
Emmanuel CVillafuerte
May 5
Quick and courteous follow-up
Quick and courteous follow-up, connected me with a broker instantly.
March 20
Real options to save
Lowest Rates. CA has been extremely helpful I've gone through my ups and downs b...
Amir Isakovic
March 15
Very good.
Very good, and the Rates you have stated is great. Please wait till I see the ba...
Ian Stevens
March 10
Good customer service
Good customer service
Lina Bella
March 3
Great team and amazing communication…
Great team and amazing communication skills. Very straight forward to get an est...
Andre F MPereira
January 22
I came across the website…
I came across the website 'LowestRates', accidentally, while on Facebook - withi...
Nelson Barker
January 8
fast and easy
fast and easy
moira fortin
November 17
they find the lowest rates and explain…
they find the lowest rates and explain options saves a lot of time when renewing...
terry nauss
November 4
It was a good experience
It was a good experience
October 26
Easy to use
Easy to use, easy to find the result that you're looking for! 5 star coverage!
October 19 did find a much lower… did find a much lower rate than I currently pay. Super prompt and...
Tom R Cross
October 17
Super easy to use
Super easy to use, and gives you best comparison prices for insurance. Saved 250...
Louise Villeneuve
October 15
Great service and very helpful :) would…
Great service and very helpful :) would definitely recommend
Emily Peacock
October 14
It's great
It's great, found the best rates.
Chirath Ranaweera

Learn more about Canada Protection Plan.

Canada Protection Plan was founded in 1992 in Toronto and has grown into one of the country’s best-known providers of no-medical, simplified issue life insurance.

In its early years, Canada Protection Plan only offered permanent life insurance, which also could only be purchased through an independent insurance agent. It wasn’t until 2006 when direct-to-consumer sales began.

Today, the company offers a multitude of plans in both the permanent and term insurance categories. You’ve probably seen one of Canada Protection Plan’s animated television commercials, which advertise plans for anyone “between 18 and 80, regardless of their health.”

The Canada Protection Plan life insurance advantage.

What makes Canada Protection Plan unique?

Canada Protection Plan specializes in offering life insurance to people who would normally be denied coverage, whether that be due to age or a pre-existing health condition.

In fact, Canada Protection Plan makes a point of advertising that anyone between the ages of 18 and 80 can apply and have a good shot at getting coverage.

Typically, life insurance companies require you to undergo a medical exam (which involves a urine and blood sample) in order to qualify for a policy.

With simplified issue insurance — the type of insurance CPP offers, which is also known as no-medical insurance — all you need to do is fill out a form with an agent or broker to get coverage. No visit to the doctor required.

The premiums for simplified life insurance can be costly. But if you have a pre-existing medical condition, a regular life insurance company is going to charge a lot for coverage — if they accept your application at all.

In cases like that, simplified life insurance might be the better option.

Canada Protection Plan touts that its application process (which you can preview on its website) eliminates “long health declarations” and uses only “clearly worded medical terminology.” When you’re finished your application, according to Canada Protection Plan, you should have no doubt about what’s included and what’s excluded from the policy.

In 2016, Canada Protection Plan removed a question about whether applicants have been denied insurance within the last two years. The change means that even more prospective policyholders can access its simplified preferred products.

In 2019, it introduced the Express Elite Term Insurance and Preferred Elite Term Life Insurance policies. These policies, which are designed for people in good to excellent health, and are available for either 20 or 30-year terms, have an even shorter application process.

Canada Protection Plan says that coverage for some plans begins immediately after approval. The company says it paid out 98% of non-contestable claims in 2017. A claim is deemed non-contestable after the two-year window period has passed (if you die before the policy turns two, the insurance company will investigate your claim and may decide not to pay it out).

What life insurance products does Canada Protection Plan offer?

All policies from Canada Protection Plan have a 10 Day Free Look Guarantee. That means if you change your mind about your policy, you can return it within 10 days. Canada Protection Plan will refund your premium.

Canada Protection Plan offers a wide array of permanent and term life insurance plans.

Permanent insurance

Policy nameWho’s it for?Max. policy value
Guaranteed Acceptance LifePeople with serious medical conditions, people who’ve been denied coverage in the past.$25,000
Deferred LifePeople who have been turned down for life insurance due to age or because they have a chronic health issue.$75,00
Deferred Elite LifePeople with pre-existing health conditions that are not considered serious.$350,000
Simplified Elite LifePeople who are in good health, but who engage in extreme sports.$500,000
Preferred LifePeople who are in good health and need coverage soon.$500,000 for people 70 and under
Preferred Elite LifePeople who are in very good health and who want coverage fast.$1-million

Term insurance

Policy nameWho’s it for?TermsMax. policy value
Deferred Elite TermPeople with less serious conditions or those who have been declined coverage in the past.10, 20, or 25 years$350,000
Simplified Elite TermHealthy people who engage in extreme sports, or who have been refused coverage in the past.10, 20, or 25 years$500,000
Preferred TermPeople who are in good health and need coverage fast.10, 20, or 25 yearsUp to $1-million
Express Elite Term PlanPeople aged 18 to 60 that are in excellent health.20 or 30 years$500,000
Preferred Elite TermPeople in very good health.10, 20, or 25 yearsUp to $1-million

As a policyholder, you may be able to receive funding from some of Canada Protection Plan’s special programs (in partnership with Foresters Financial), including:

  • A benefit for the children of deceased policyholders allows recipients to access a renewable post-secondary scholarship. Amounts range from $1,500 to $6,000 per year.
  • Tuition through the Foresters Competitive Scholarship Program, which offers up to 250 renewable tuition scholarships worth up to $8,000 each.
  • A one-time benefit that provides short-term financial aid to policyholders that have displaced by disaster, large-scale emergency, or are afflicted by other “significant personal hardships.”
  • Funding for community projects.

Is Canada Protection Plan right for you?

Let’s get to the main question you need answered: should you buy life insurance from Canada Protection Plan?

An agent or broker can offer expert guidance, but ultimately, it’s a decision only you can make. However, no-medical life insurance may be right for you if:

  • You currently have, or have had, a medical issue that most insurance companies would reject you for (cancer, diabetes, congenital issues).
  • You’ve been turned down for life insurance in the past.
  • You’re older.
  • You don’t want to do a medical exam.

But before you get ahead of yourself, take a moment to compare the insurance market. compares insurance quotes from more than 20 different insurers, including Canada Protection Plan. After providing basic information about yourself, you’ll be able to see which insurance company is offering the lowest rate for the amount of coverage you need.

That should give you a good starting point.

What else does Canada Protection Plan do?

  • Critical illness insurance
  • Health and dental insurance (through Manulife)
  • Travel insurance (through Manulife)

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