What is Canadian Seniors Life Insurance?

Canadian Seniors Life Insurance is straightforward, direct whole of life insurance that can help your family with funeral costs, bills, or even contribute to your partner’s retirement fund when you pass away. As time goes on it can feel like our options are taken away from us. It can feel like decisions are made for us instead of with us. At Seniors Choice we’re here to make sure that you have a say over your future. Designed for Canadian residents aged 40 to 802, it’s the simple way to take control of your life insurance. Depending on your age, you could choose to get up to $250,000 of coverage.

Our trusted life insurance advisors will talk you through your options with no obligation to buy and no need for a broker. It only takes a few minutes to get coverage and there’s no need to provide us with a medical check to get approved. We ask just a few simple health and lifestyle questions instead. With premiums from as little as $14.88 per month3 and no policy fees, it’s easy to make the right choice for your loved ones.

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Choose the right coverage
Choose the right coverage

Get up to $250,000 of coverage for your loved ones, depending on your age

Choose peace of mind
Choose peace of mind

24/7 Worldwide coverage – for the whole of your life, for as little as $14.88 per month3

Choose convenience
Choose convenience

You can get coverage in just a few minutes from a local trusted advisor, with no medicals or blood tests

Choose life - choose Seniors Choice

  • Choose the right coverage for your loved ones with up to $250,000 of coverage depending on your age 
  • Choose peace of mind – 24/7 Worldwide coverage for the whole of your life   
  • Terminal Illness coverage – With our additional coverage you’ll receive your full benefit amount upfront if diagnosed with a terminal illness with less than 12 months to live4
  • Choose convenience – With our easy to arrange insurance, you can get coverage in just a few minutes
  • Choose a local team you can trust – Our experienced team of trusted advisors is based right here in Canada
  • Exclusive – Canadian Seniors Life Insurance can only be bought directly from us
  • No medicals or blood tests for approval – We only ask just a few health and lifestyle questions
  • Fast payout – We strive to pay out claims fast, with a straightforward claims process  
  • Choose immediate coverage – excluding suicide in the first 2 years

Feel confident in a provider you can trust

As the #1 direct choice for Canadian over 50s life insurance1, we’re proud to say that after thousands of independent reviews we’ve been rated ‘Excellent’ on Trustpilot. We've also got excellent ratings on Google, REVIEWS.io and Feefo, where we’ve won the Gold Trusted Service Award.  

Choose coverage that suits you

We make life insurance simple so you can get coverage quickly and get on with something more exciting. Our coverage is exclusive and can only be purchased directly through our life insurance specialists. That means there’s no need for brokers or a long back and forth to get protection. Even better, you don’t need to complete a medical check or blood tests to get approved. Find out more below or read our helpful life insurance guide. 

Choose flexibility 

We all know that life can change quickly, so your life insurance should keep up. With Seniors Choice, you can apply to make changes to your policy at any time, with excellent ongoing service and no fees. So, you can have peace of mind that your coverage can keep up with you.

30 days to make sure you’re happy

When you’re getting something as important of life insurance, you want to make sure that you’re completely happy with it. That’s why we give you 30 days to make sure it’s what you want. If you decide to cancel within that time without having claimed, you’ll get a refund for the premiums you’ve paid.

The cost of life insurance 

We understand how important it is for your family to be protected. We also understand that you want quality coverage that won’t leave you out of pocket. With Seniors Choice, you could get permanent life insurance for as little as $14.88 per month3, depending on your age.

How much your life insurance will cost you depends on your individual circumstances. Here are some of the things that could affect the price of your coverage:

  • Your age at the time of applying
  • Your gender
  • Your smoker status
  • Your chosen benefit amount

Not sure how much coverage to take out? Our life insurance calculator can help you quickly work out how much your family might need to keep life on track when you’re gone.

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Frequently asked questions

Here are some common questions we get asked about Canadian Seniors Life Insurance.

Life insurance is a simple way to help provide some financial security for your loved ones. With Canadian Seniors Life Insurance, you can help your family with funeral costs, tax bills, and future planning when you’re gone. It could allow you to leave behind some money as a gift. With Seniors Choice as long as you keep up with your payments, you’re guaranteed a specific benefit amount, so once it’s in place, you’re protected for life5.

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Free Info Pack

Have some more questions? Learn more about Canadian Seniors Life Insurance with our free information pack. It includes straightforward information and features of Seniors Choice.

How to buy direct

Our Canadian Seniors Life Insurance is available exclusively from Seniors Choice. This means that instead of being stuck with a broker and all the time and hassle that comes with them, you can choose to get life insurance in place today with our trusted insurance advisors. There are no policy fees and our advisors are here to talk you through your options and help you choose coverage that’s right for you. There’s no obligation to buy but if you’re happy with your quote, it only takes minutes to secure your policy. 

If you have any questions, or if you would like to learn more about our coverage, we’re here to help. Simply call us today and our team will give you a free quick quote.

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Our claims process

Step 1 - Contact us

To start the claims process, simply call us or email claims@seniorschoice.ca. Our claims team is highly trained and handle claims with care and compassion.

Step 2 - Submit

We will send out a claim form to be completed, signed, and returned to us. The claim will then be reviewed as quickly as possible. If we need more information, the person making the claim might be contacted.

Step 3 - Payout

Once your claim is approved, we will pay the benefit amount to the person legally entitled to it.

More reasons to choose Seniors Choice

Funeral costs and final expenses

Unexpected funeral costs and final expenses could put pressure on your loved ones financially. The right coverage can help to relieve this financial burden and provide some much needed support at a difficult time.

Future planning for your partner 

Hopefully most of us will lead long and healthy lives but sadly they can often be cut short. A life insurance policy could offer you peace of mind that if you passed away, your partner could still afford to make the most of their retirement years, and have some financial stability into their later years.

Settle loans and debts

Whether you still have to pay off your mortgage, or you have other larger loans and debts, a life insurance policy could give you peace of mind that if the worst happened, your family wouldn’t shoulder the costs alone. 

Providing a cash gift

Leaving behind some money is a great way to leave your loved ones with a lasting positive memory. It could be used for something fun, or it could be there as an emergency fund for a rainy day. 

Choose life.
Choose Seniors Choice.


Based on the product distributor obtaining over 4,000 service reviews on multiple reviews platforms since 1 September 2021 from Canadian residents aged between 50 and 80 years old, which is more than any other provider who directly provides Life Insurance products without the support of a broker network and has been active in advertising on TV since 1 September 2021, excluding Quebec.


Available to Canadian residents aged 40-80 only. Not yet available in Quebec.


For a 51-year-old female non-smoker with $20,000 of coverage.


A medical professional has to diagnose the terminal illness, diagnosis is subject to the terms and conditions in your policy.


Excluding suicide in the first 2 years.