Lowest Rates Hub logo.

Affordable Term

Life Insurance

with Lowest Rates Hub

Cost-effective coverage for a designated term, providing financial security when it matters most. Enjoy prompt payouts, wealth accumulation benefits, and adaptable premium options.

Affordable Term

Life Insurance

with Lowest Rates Hub

Cost-effective coverage for a designated term, providing financial security when it matters most. Enjoy prompt payouts, wealth accumulation benefits, and adaptable premium options.

Lowest Rates Hub

Protect Your Family… Affordably.

You want to give your family everything, but on top of other financial obligations, life insurance can seem like just another expense. Term 10 and Term 20 life insurance can help protect your family’s finances at an affordable cost. Better yet, you’ll feel good knowing you’ve provided your family with the financial protection they deserve.

Lowest Rates Hub

Why Choose Term Life Insurance?

Our plans provide protection for 10- or 20-year periods. If you die within the covered period, your beneficiaries receive the amount of the policy tax-free and can use this money any way they want. For example, they can use it to:
A person who bought a life insurance policy.
Term life insurance
Lowest Rates Hub logo.

Term life insurance is simple to buy and easy to afford. This makes it the ideal way for young families to get the financial security they need.

Flexible Coverage

Choose the Right Term Life Insurance for Your Needs

Renew your coverage as needed or convert to permanent or universal life insurance without a medical exam. 

Lowest Rates Hub Canadian insurance agency.

Select the term that’s right for you.

Term life insurance covers you for 10- or 20-year periods. Once it expires, you can renew your coverage for another 10- or 20-year term until you’re 80 years old, at which point coverage expires (note: premiums will rise when you renew).

You can also convert our term life insurance policies into permanent life insurance or universal life insurance until you are 71 years old without answering questions about your health or taking a medical exam.

Lowest Rates Hub Canadian insurance agency.

How much coverage do you need?

A general rule is 5-7 times your salary. So if your annual income is $40,000, you may want to purchase at least $200,000 in term life insurance. Contact us so we can discuss your specific needs.

We offer the following coverage options:

Term Life Insurance
Coverage under 250,000, with a 10- or 20-year term.
Coverage from $250,000, with a 10- or 20-year term

Lowest Rates Hub

Simple & Budget-Friendly Non-Medical Life Insurance

Age 35

Starting at

$ 27.74 /Month
  • Coverage Plan (10 years)    $1,000,000.00
  • Partnered with: RBC, BMO, and Canada Life

Age 45

Starting at

$ 52.47 /Month
  • Coverage Plan (10 years)   $1,000,000.00
  • Partnered with: RBC, BMO, and Canada Life

Age 55

Starting at

$ 46.73 /Month
  • Coverage Plan (10 years)      $250,000.00
  • Partnered with: RBC, BMO, and Canada Life

Age 65

Starting at

$ 37.67 /Month
  • Coverage (10 years)                $50,000.00
  • Partnered with: RBC, BMO, and Canada Life

Free Advice

More Affordable than Whole Life Insurance

While Whole Life Insurance is guaranteed for life, Term Life is ideal for a fixed length of time, is more affordable, and offers a plan that can change if your life plans change.
A family who bought a term life insurance policy.
About Lowest Rates Hub.

Why Buy Through Us?

Simpler, Smarter, More Rewarding Life Insurance.

We think life insurance should be more about living. So we’ve reinvented it to help you get on with life.

Support

Not Sure What Insurance You Need? We Can Help.

Insurance agent speaking with their client.
Secure Your Future

Let’s Get Started Your Insurance Now With Us