Affordable life insurance in minutes — no paperwork, no hassle. 100% online, proudly Canadian. Get the coverage you need with expert support every step of the way.
Client satisfaction is our main priority. We have helped thousands of clients understand the ways insurance can positively impact their quality of life. See what our insurance broker can do for you. Give us a call today.
In Canada, now more than ever, people are searching for a life insurance plan without the lab samples, needles, ECG and other requirements that come with a medical examination.
We can provide you with information on the different types of life insurance products available and assist you in obtaining no medical life insurance if that’s the avenue you choose. Our brokerage company proudly offers services in British Columbia, Ontario, Alberta, Manitoba, Saskatchewan, Nova Scotia, New Brunswick, and Newfoundland & Labrador.
We’re proud to provide life insurance across Canada, serving individuals and families in all major cities (excluding Quebec and Prince Edward Island). Our application process is completely digital and online, making it easy and convenient to apply for and manage your coverage from anywhere. Whether you’re looking for protection in a large metropolitan area or a growing community, we’re here to help.
Some of the key cities we serve include:
Vancouver, Victoria, Surrey, Burnaby, Kelowna, Kamloops, Nanaimo, Abbotsford, Chilliwack, Langley, Coquitlam, Richmond, Delta, New Westminster, Edmonton, Calgary, Red Deer, Lethbridge, Medicine Hat, Wood Buffalo, St. Albert, Grande Prairie, Saskatoon, Regina, Winnipeg, Ottawa, Toronto, Mississauga, Brampton, Hamilton, Kitchener, Waterloo, London, Windsor, Markham, Vaughan, North York, Scarborough, Oshawa, Barrie, Guelph, Kingston, Thunder Bay, Sudbury, Halifax, Saint John, Moncton, and Fredericton.
No matter where you live in Canada, we’re committed to making life insurance accessible and tailored to your needs.
It can help cover some of life’s biggest expenses, like a home mortgage, debt, your children’s college tuition, and it can also replace lost income. Your policy can also help cover everyday expenses—anything your beneficiaries need, really. Ultimately, it’s up to them to decide how to use the payout.
Term life insurance is a simple, affordable way to protect your loved ones for a set period—usually 10, 20, or 30 years. If you pass away during that time, your beneficiary receives a tax-free lump sum (called a death benefit) to help cover expenses like income loss, debts, or future goals.
You pay a monthly premium to keep the policy active. If you outlive the term, coverage ends—but you may have the option to renew or apply for a new policy. Just keep in mind that premiums increase with age, so it’s smart to choose a term that covers the years your family needs protection most.
The right term length depends on your life stage and financial goals. If you want lifelong coverage that doesn’t expire, whole life insurance may be a better fit. But if you only need protection for a set period—like while raising children or paying off a mortgage—term life insurance is a simple, affordable option.
When choosing a term, consider how long your loved ones would rely on your income. Many people choose coverage that lasts until they retire, their children become financially independent, their mortgage is paid off, or they’ve built enough savings to protect their family. The goal is to align your coverage with the years you carry the most financial responsibility.
Permanent life insurance provides coverage for your entire life, as long as you continue to pay your premiums. Whole life insurance is the most common type of permanent insurance you’ll come across. It offers lifelong protection with fixed premiums that won’t increase over time.
This type of insurance is a great option for people aged 18 to 80 who want coverage that never expires and can help cover end-of-life expenses and final costs.
When choosing a term, consider how long your loved ones would rely on your income. Many people choose coverage that lasts until they retire, their children become financially independent, their mortgage is paid off, or they’ve built enough savings to protect their family. The goal is to align your coverage with the years you carry the most financial responsibility.
Life insurance through your employer is a great benefit, but it often doesn’t provide enough coverage to fully protect your family. Most employer plans offer coverage that’s only 1 to 2 times your annual salary. While this helps, it usually falls short of covering all your family’s expenses and long-term financial needs.
Experts suggest having life insurance equal to at least 10 times your yearly income. This amount helps ensure your loved ones can maintain their lifestyle, pay off debts, cover your mortgage, and handle future costs like your children’s education.
To better understand your needs, try the DIME formula. This adds up your Debt, Income (for how many years your family depends on you), Mortgage balance, and Education expenses. This approach can reveal any shortfalls between your employer’s coverage and what your family really needs.
Relying only on employer life insurance might leave your family unprotected. Considering additional coverage can give you peace of mind and help secure your family’s financial future.
No, you don’t need a medical exam to apply for life insurance. We offer easy application options that only require you to answer a few health questions, making the process faster and more convenient. This way, you can get coverage without the hassle of lab tests or doctor visits.
Yes—we’re happy to assist and support you anytime. You can get in touch with our customer success team by sending us an email us by clicking here.
When it comes to term life insurance coverage, many can find themselves denied due to a health condition, age and/or lifestyle. The application process for whole life insurance can often be difficult but one of the solutions to consider is no medical life insurance. This coverage requires no medical exam (as the name suggests) and the application only takes 10-15 minutes to complete. Some life insurance providers will even issue policies within an hour after applying. You deserve protection in the event of the unexpected.
An advisor at Maple Bay will be able to provide you with thorough quotes and accurate premiums for a variety of life insurance policies. All quotes are done over the phone or via email.
Maple Bay specializes in offering life insurance policies. We offer term life insurance, mortgage life insurance BC and no medical life insurance. Every person deserves protection regardless of health or lifestyle, and we will work to find an insurance company to underwrite a policy that works for you. We even receive referrals directly from Canada Protection Plan.
If you have a health condition or want to participate in excluded activities, getting traditional insurance coverage is one of the most difficult tasks. We will answer your questions regarding age, education and the coverage of the death benefit.
Guaranteed life insurance provides people with exactly what they need when they need it. If you don’t have any other option or were denied other life insurance policies due to a medical condition or a limited budget, then let’s discuss guaranteed life insurance for you.
With typical life insurance, you have to undergo a medical exam. But with simple life insurance, you won’t have to. While you’ll still have to answer some health-related questions, you are much more likely to be approved in a short amount of time.
We offer the most diverse products in the industry and we are contracted by some of the top leading insurance carriers in Canada.
When you work with our insurance broker, you will receive service and advice that is based on years of experience in the insurance industry. Our staff is professional, knowledgeable and dedicated to providing individuals with the right products.
If you want to explore insurance options that will help protect you, your family, home and business, give us a call or send us an email. Let’s get started today.
Your privacy is our top priority. Any information you provide is completely safe and secure, and we never share it with third parties. View our privacy policy here.
