CCrystallux Financial
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Life insurance · Canada-wide

Life insurance that fits your family.

Term, whole, and universal cover from leading Canadian carriers. We rank by fit, not commission, and disclose every rider, exclusion, and underwriting class before you apply.

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From $24/month for healthy non-smokers
Multi-carrier comparison
No fees for our advice
Quick coverage estimator
Three product types

Term, whole, or universal?

Term life

Fixed coverage for a set period (10, 20, or 30 years). Cheapest cover per dollar of protection. Ideal for covering a mortgage or income while children are dependants.

  • Lowest premium for the most cover
  • Renewable / convertible options
  • Coverage typically ends at 65–80

Whole life

Permanent coverage with a guaranteed cash value that grows over time. Higher premium but lifelong cover. Used for estate equalisation, charitable giving, business succession.

  • Coverage for life
  • Tax-advantaged cash value
  • Premiums level for life or limited-pay

Universal life

Permanent cover with investment flexibility. You direct the investment component within the policy. Best for sophisticated buyers or business owners optimising tax.

  • Investment flexibility
  • Adjustable premium / cover
  • Tax-sheltered growth
Sample premium ranges

What you might pay

Profile20-year term · $500KWhole life · $250KUniversal life · $500K
30-year-old, non-smoker, standard$24–$32/mo$165–$215/mo$210–$285/mo
40-year-old, non-smoker, standard$38–$54/mo$235–$310/mo$295–$385/mo
50-year-old, non-smoker, standard$98–$148/mo$425–$580/mo$520–$680/mo
30-year-old, smoker, standard$48–$72/mo$245–$320/mo$310–$420/mo

Premiums shown are sample ranges based on healthy applicants and may vary materially with age, health, smoking status, occupation, hobbies, family history, and carrier underwriting. Final pricing requires application + underwriting. Quoted in Canadian dollars.

Carriers we work with

Independent, and growing

PolicyMe Walnut Manulife Sun Life Canada Life iA Financial
Carrier availability varies by product and province. Carrier appointments are subject to advisor licensing and contracting status; your advisor confirms which carriers can quote your specific situation during the needs review.
Should I have life insurance?

A 30-second decision tree

You probably need life insurance if…

  • Someone depends on your income (spouse, children, parents)
  • You have a mortgage you couldn't pay off from savings
  • You co-signed loans your family would inherit
  • You're a business owner with key-person or buy-sell exposure
  • You want to leave a legacy / equalise an estate / fund a charity

You may not need it (yet) if…

  • You're single, no dependants, no debt
  • Your estate already covers final expenses and tax
  • You have sufficient self-insured assets (HNW)

Even then, applying young locks in low rates while you're insurable. Many people buy a small term policy in their 20s and convert later.

Common questions

Life insurance FAQ

A common rule of thumb is 10–12× your annual income, plus enough to clear your mortgage and fund children's education. Our needs assessment walks through your actual situation, income replacement, debts, dependants' future expenses, and gives a personalised number.
Term is right for most people most of the time: lowest cost per dollar of cover, matches a temporary need (mortgage, kids growing up). Whole life is right when the need is permanent (estate equalisation, business succession, lifelong dependant). Your advisor explains the trade-offs.
Most carriers accept simplified-issue applications up to $1M for healthy applicants under 50, no medical required, just health questions. Larger amounts or older ages typically require a paramedical exam (blood, urine, vitals). The advisor sets expectations before you apply.
Yes, some health conditions, lifestyle factors, or financial situations may lead to higher premiums (rated) or declined applications. We pre-screen with you before submitting so we can choose the carrier with the most favourable underwriting for your profile.
We earn a commission from the carrier when a policy is placed. There are no fees to you, and we disclose the commission on every recommendation before you apply. Full disclosure on our Disclosure page.

Get a personalised life insurance quote.

A 3-minute needs assessment is enough for us to match you to 2–3 fitted options. An LLQP-licensed advisor reviews before you see anything.

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