Protect your loved ones with reliable life insurance in Canada designed to provide financial security when it matters most. Whether you're looking for life insurance, whole life insurance, or universal life coverage, our flexible plans offer peace of mind by helping cover debts, replace lost income, and support your family's future. At Senator Insurance, we work with top Canadian insurance providers to tailor a policy that suits your needs, budget, and long-term goals. Get expert advice, transparent coverage options, and the confidence of knowing your family is financially protected—no matter what life brings
• Coverage for a set period (e.g., 10, 20, or 30 years).
• Lower premiums initially, but they increase upon renewal.
• No cash value; only pays out if the insured passes away during the term.
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• Lifetime coverage with fixed premiums.
• Builds cash value that grows over time.
• Can be used for borrowing or withdrawals.
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• Lifetime coverage with flexible premiums and coverage amounts.
• Includes an investment component where policyholders can grow their wealth tax-deferred.
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• A type of whole life insurance that earns dividends based on the insurer’s profits.
• Dividends can be reinvested, withdrawn, or used to reduce premiums.
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• A mix of term and permanent life insurance.
• Fixed premiums with lifetime coverage but no cash value.
• More affordable than whole life but lasts a lifetime
• Used to supplement government coverage.
• Covers dental, vision, prescription drugs, physiotherapy, chiropractic care, and mental health services.
• Offered through employers or purchased individually.
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• Provides a lump-sum payout if diagnosed with a serious illness like cancer, heart attack, or stroke.
• Helps cover medical expenses, lost income, or lifestyle adjustments.
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• Replaces a portion of income if you are unable to work due to illness or injury.
• Short-term and long-term disability options available.
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• Helps cover costs of assisted living, nursing homes, or home care services.
• Useful for aging individuals who may require extended care.
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• A mix of term and permanent life insurance.
• Fixed premiums with lifetime coverage but no cash value.
• More affordable than whole life but lasts a lifetime
• Provides coverage for non-residents visiting Canada for tourism, work, or study. Protects against unexpected medical expenses.
• Covers emergency medical care, hospitalization, and doctor visits.
• Includes prescription drugs and ambulance services.
• Repatriation coverage in case of emergency.
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• Mandatory for parents and grandparents applying for a Super Visa. Ensures they meet entry requirements while staying protected.
• Minimum $100,000 coverage required
• Covers emergency medical expenses, hospitalization, and repatriation
• Must be valid for at least one year from the date of entry
• Provides financial security during their stay
• Temporary residents (study permit and work permit holders) in Canada can get insurance, but with some limitations.
• We work with all major insurance companies to find the perfect solution tailored to your unique needs.
• Covers medical emergencies, hospitalization, and routine healthcare. • Helps students meet visa and school requirements.
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• Provides financial protection for loved ones. • Coverage options depend on residency status and duration of stay.
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• Covers prescription drugs, dental, vision, and other medical services.
• Available for those not covered by provincial healthcare
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• A type of whole life insurance that earns dividends based on the insurer’s profits.
• Dividends can be reinvested, withdrawn, or used to reduce premiums.
Submit us Inqury for Premium
• A mix of term and permanent life insurance.
• Fixed premiums with lifetime coverage but no cash value.
• More affordable than whole life but lasts a lifetime