Estimate coverage needs
Use our benefit calculator to estimate how much life insurance your household may need.
Life Insurance
Find the right protection for what matters most
Coverage Options
Compare Life Insurance Types
Choose from term, universal, and whole life solutions built around your goals and budget.
The right policy is not just about price. It depends on what you are protecting: a mortgage, your family's income, a buy-sell obligation, or a long-term estate goal. We help clients across British Columbia, Alberta, Saskatchewan, Manitoba, and Ontario compare options before they commit to an application.
We also show where critical illness insurance or disability coverage should sit beside your life insurance plan when a diagnosis or lost income would create a separate financial risk.
Term Life
Affordable protection for a set term, ideal for mortgages, family income replacement, and temporary coverage needs.
- Lower initial premiums
- Flexible term lengths
- Great for young families
Universal Life
Permanent coverage with investment and tax-advantaged growth features for long-term planning.
- Lifelong protection
- Investment component
- Flexible premium options
Whole Life
Guaranteed permanent insurance with cash value and stable premiums to support legacy and estate goals.
- Guaranteed lifetime coverage
- Tax-advantaged cash value
- Predictable premium structure
Planning Guide
What Are You Trying To Protect?
Matching the policy to the job usually matters more than chasing the lowest premium.
Debt and Income Replacement
If the main job is covering a mortgage, childcare, or family income for the next 10 to 30 years, term life insurance is usually the first place to look.
Permanent Protection
If you want guaranteed lifetime coverage for estate liquidity, final expenses, or legacy planning, compare whole life and universal life.
Flexibility and Tax Planning
Clients who want long-term coverage plus more premium flexibility often review universal life insurance as part of a broader planning strategy.
Living Benefits
If your concern is paying bills during treatment or after an illness stops you from working, review critical illness and disability insurance alongside your life coverage.
Get Started
Get started on your application
Follow these 3 steps to estimate your needs, preview premiums, and complete your application.
Estimate monthly premiums
Open the quote tool to compare monthly premiums from multiple insurers.
CalculateComplete your application
Fill out the questionnaire and we will recommend the best-fit insurer and policy.
Get Started
Who We Are
Putting Your Interests First — Always.
We created Life Hub with one goal: put our clients first. We believe you deserve the best value for the right coverage, with a quality insurer that pays claims without delay.
We work exclusively with high-quality Insurance companies who are members of ASSURIS - the not-for-profit organization that protects Canadian policyholders if their life insurance company fails.
Using the lost art of field underwriting, we work with you before an MIB hit is created on your record - saving you time, money, and getting the best results.
