Seniors Choice

Seniors Choice: direct life insurance for Canadians over 50

Seniors Choice is a Canadian company that sells life insurance directly, without brokers or intermediaries. Its product, Canadian Seniors Life Insurance, is designed for Canadian residents aged 40 to 80 and is purchased exclusively through the company itself. The company presents itself as the #1 direct choice for Canadian over 50s, a claim backed by more than 10,000 independent reviews across various platforms since September 2021.

Coverage and policy features

The policy offers coverage up to $250,000, depending on the applicant's age and personal circumstances. No medical exams or blood tests are required to apply; you just need to answer a few health and lifestyle questions. Coverage is lifelong and valid worldwide, with monthly premiums starting at $14.88. The application and approval process is completed in just a few minutes with the help of a local advisor.

Additional benefits include terminal illness coverage: if a specialist diagnoses a terminal illness with a life expectancy of 12 months or less, the insured receives the full benefit amount upfront. Immediate coverage for accidental death is also included, subject to health status at the time of application. Suicide is not covered during the first 24 months.

The direct sales model

Canadian Seniors Life Insurance can only be purchased directly from Seniors Choice, which eliminates the broker and reduces paperwork. The company emphasizes that its team of advisors is based in Canada and serves customers with no obligation to buy. The stated goal is for the insured to stay in control of their coverage and be able to decide the amount, the monthly premium, and the beneficiaries.

Ratings and awards

Seniors Choice has been rated 'Excellent' on Trustpilot after thousands of independent reviews. It also has outstanding ratings on Google, REVIEWS.io, and Feefo, where it has received the Platinum Trusted Service Award.

Application process and customer service

Those interested can request a quick, free quote through the website, with no obligation to buy. The company also offers a free information pack with details about the product. For those who prefer to speak with an advisor, there is the option to request a callback by providing first name, last name, phone number, and province of residence. The team of life insurance specialists is available to answer questions and present the available options.

Availability and conditions

The product is available to Canadian residents aged 40 to 80, with terms and conditions applicable. It is not available in Quebec. The company warns of possible delays in mailing documents due to labour disputes at Canada Post.