My Term (any length 5–50 years) and no-medical My Simple Term, plus Canada’s largest participating whole-life account for estate planning.
Term Whole Universal No-medical Guaranteed issue
- Term lengths
- My Term: any 5–50 yr; My Simple Term: 10/15/20/25 yr
- Issue age
- My Term to age 85 minus term; My Simple Term 18–80
- Coverage
- Simple Protect fast-path to $2M; product min/max not published
- No-medical
- My Simple Term — no medical tests, short health questionnaire, ages 18–80, terms 10/15/20/25
- How to buy
- Advisor (online quote, phone application)
- Financial strength
- AM Best A+ · DBRS AA · Moody’s Aa3 · S&P AA
Standout
Term converts to permanent with no new medical evidence up to age 70; participating whole life (largest open par account) for estate planning
What to confirm before you rely on this
- Product min/max face amounts for My Term / My Simple Term are not published on consumer pages (the $2M figure is a fast-application threshold, not a cap).
- No standalone guaranteed-issue life product confirmed — the no-medical offering is simplified-issue My Simple Term.
A full advisor lineup plus CoverMe — instant online term, easy-issue and guaranteed-issue you can buy without an advisor.
Term Whole Universal No-medical Guaranteed issue
- Term lengths
- CoverMe online: 10 & 20 yr; advisor Family Term
- Issue age
- CoverMe Term 18–70; CoverMe Guaranteed Issue 40–75
- Coverage
- CoverMe Term $100K–$2M; Guaranteed Issue $5K–$25K
- No-medical
- CoverMe Easy Issue (2 questions, $50K/$75K); CoverMe Guaranteed Issue (40–75, $5K–$25K, no questions, online)
- How to buy
- Online (CoverMe) + advisor
- Financial strength
- AM Best A+ · DBRS AA (Manufacturers Life)
Standout
Buy term, easy-issue or guaranteed-issue fully online; Manulife Par & UL for estate planning; CoverMe Term renewable to 85/89
What to confirm before you rely on this
- AM Best A+ is headline-level (AM Best and manulife.com ratings pages block automated fetch) — confirm the full release before relying on it.
- Manulife Par / UL and Family Term issue ages and face min/max are advisor-quoted and not published on overview pages.
Advisor Evolve Term (5–40 yr, to $25M) plus Sun Life Go — buy term, simplified-issue or guaranteed-acceptance final-expense online.
Term Whole Universal No-medical Guaranteed issue
- Term lengths
- Evolve 5–40 yr; Go Term 10 & 20 yr
- Issue age
- Go Term/Simplified 18–69; Go Guaranteed Life 30–74
- Coverage
- Evolve $50K–$25M; Go Term $100K–$1M; Go Guaranteed $5K–$25K
- No-medical
- Go Simplified Term (3 health questions, $50K/$75K/$100K); Go Guaranteed Life (no questions, 30–74, $5K–$25K)
- How to buy
- Online (Sun Life Go) + advisor
- Financial strength
- AM Best A+ · Moody’s Aa3 · DBRS AA
Standout
Buy online via Sun Life Go; Evolve term converts to permanent with no new medical up to age 75; Sun Par for estate planning
What to confirm before you rely on this
- Sun Life product-page facts were sourced via search snippets because sunlife.ca returned 403 to automated fetch — eyeball each cited URL before relying on the bands/ages.
- Issue ages for Evolve Term and the permanent/par products are underwriting-set and not isolated on primary pages; the exact S&P symbol was not confirmed.
YourTerm (10–40 yr, to $25M), participating Growth whole life, and Simplified Term + Guaranteed Acceptance (to $40K) you can buy online.
Term Whole Universal No-medical Guaranteed issue
- Term lengths
- YourTerm / Simplified Term 10–40 yr
- Issue age
- Term 18–70 (10–15 yr); Whole 0–80; UL 0–85; Guaranteed Acceptance 40–75
- Coverage
- YourTerm to $25M; Guaranteed Acceptance $5K–$40K
- No-medical
- Simplified Term (no exam ≤$1M, health questionnaire); Guaranteed Acceptance Life (40–75, $5K–$40K, no questions, online)
- How to buy
- Online (Simplified Term / Guaranteed Acceptance) + advisor
- Financial strength
- AM Best A (Excellent) — see note
Standout
Guaranteed Acceptance up to $40K — higher than the usual $25K cap; term converts to permanent with no new medical before age 71
What to confirm before you rely on this
- RBC Life Insurance Company’s financial-strength rating could not be confirmed on a fetchable primary source (AM Best ≈ A per snippet; the DBRS AA appears to attach to parent Royal Bank, not the insurer) — verify before publishing.
- Whether YourTerm completes fully online or moves to phone application varies by eligibility.
Pick-a-Term (any length 10–40 years, to $20M), participating and universal life, and Access Life guaranteed-acceptance to age 80.
Term Whole Universal No-medical Guaranteed issue
- Term lengths
- Pick-a-Term: any 10–40 yr (T10–T40)
- Issue age
- Pick-a-Term 0–70; Access Life 6 months–80
- Coverage
- Pick-a-Term $25K–$20M; Access Life $10K–$500K
- No-medical
- Access Life — guaranteed acceptance, no medical, issue to age 80, V100 permanent plus T15/T20/T25, three tiers
- How to buy
- Advisor (online price check)
- Financial strength
- AM Best A+ · DBRS AA (low)
Standout
Access Life guaranteed-acceptance to age 80 with up to $500K (high for no-medical); participating whole life for estate planning
What to confirm before you rely on this
- Whether the online "Check my price" tool issues a binding policy or an estimate-to-advisor is not stated.
- DBRS confirmation date was read from the release title; open the DBRS page to confirm.
Solution Series term (10–30 yr), EstateMax/Optimax participating whole life, Trilogy universal life, and Guaranteed Life Protect final-expense.
Term Whole Universal No-medical Guaranteed issue
- Term lengths
- Solution 10/20/25/30 + ART (annual renewable)
- Issue age
- Solution 20: 18–65; Guaranteed Life Protect 40–75
- Coverage
- Term $25K–$20M (66+ from $10K); Guaranteed Life Protect to $50K
- No-medical
- Guaranteed Life Protect — no medical or lifestyle questions, ages 40–75, to $50K, graded benefit in the first 24 months
- How to buy
- Advisor (instant online quote for Simplified term only)
- Financial strength
- DBRS A (high) · AM Best A (Excellent)
Standout
EstateMax & Optimax Wealth participating whole life for estate planning; Guaranteed Life Protect for final expenses
What to confirm before you rely on this
- Several Empire PDFs and the AM Best/DBRS detail pages returned 403; some facts came from primary-domain content via search — eyeball the product guides before relying on exact bands.
- AM Best ratings were withdrawn at Empire’s request in May 2021 then re-affirmed A (Excellent) — confirm current active status.
Canada’s no-medical / simplified-issue leader — term and permanent with no exam, plus Guaranteed Acceptance to age 75, underwritten by Foresters.
Term Whole Universal No-medical Guaranteed issue
- Term lengths
- No-medical term 10/20/25/30 yr
- Issue age
- Permanent plans 18–80; Guaranteed Acceptance 18–75
- Coverage
- No-medical up to $1M (healthy applicants); Guaranteed Acceptance to $50K
- No-medical
- Every plan is no-medical; Guaranteed Acceptance Life cannot be declined for health (18–75, to $50K, 2-year limited benefit for non-accidental death)
- How to buy
- Advisor-assisted (apply online or by phone)
- Financial strength
- AM Best A · DBRS A (Foresters)
Standout
The go-to when health issues make standard underwriting hard — no medical on every plan, issues to age 80, simplified-issue up to $1M for healthier applicants
What to confirm before you rely on this
- Term-life maximum issue ages by term length were not on a cpp.ca primary page.
- AM Best has separate actions for Foresters Life Insurance Company vs The Independent Order of Foresters — confirm the specific entity’s current rating.
Buy term life online in about 10 minutes with an instant decision — accelerated underwriting means no medical exam for most. Term only, no permanent.
Term Whole Universal No-medical Guaranteed issue
- Term lengths
- 10/15/20/25/30 yr (renews yearly to age 85)
- Issue age
- 18–75
- Coverage
- $50K–$5M ($100K minimum under age 51)
- No-medical
- Accelerated underwriting — no medical exam for most applicants; some may need a nurse visit if required
- How to buy
- Online (instant decision) + optional advisor
- Financial strength
- AM Best A (per PolicyMe) — see note
Standout
~10-minute online application with real-time approval; free $10K child coverage included; term only (no whole/permanent option)
What to confirm before you rely on this
- The AM Best "A or higher" rating is sourced only to PolicyMe’s own page — confirm the letter grade and date on ambest.com for Canadian Premier Life.
- Term only; a permanent / term-to-100 option was hinted in marketing but the legal summary lists conversion privileges, not a standalone permanent product.
