Who we are
SmarterLifeCover is a free online comparison and referral service specializing in no-medical life insurance. We believe protecting the people you love shouldn't be complicated, confusing, or something only a few can figure out — and it shouldn't require a medical exam. We are not an insurance company — we don't sell policies, underwrite coverage, or make approval decisions. Instead, we help you understand your options and connect you with independent, licensed insurance partners who do.
Our mission
We built SmarterLifeCover with one goal: to make life insurance accessible to more people. For too many Canadians, coverage feels out of reach — because of age, health problems, medical exams, or simply the lack of time. We cut through that. By focusing on no-medical options and explaining them in plain language, we help everyday people find coverage that fits both their needs and their budget.
What we do
Every family is different, so there is no single "best" policy — only the best policy for you. Our job is to match every customer with the product that suits them best. You tell us a little about yourself, we compare suitable options across our network of licensed partners, and we connect you with the ones that fit. There's no pressure and no obligation — the decision is always yours.
Who we work with
We partner only with responsible, licensed insurance companies. The partners we connect you with are regulated by the appropriate authorities and are solely responsible for your quote, application, and policy. Working with trustworthy providers matters to us — the options we surface are only as good as the companies standing behind them.
Why our service is free
Using SmarterLifeCover costs you nothing. There is no fee to compare options or get a quote. We're paid by our insurance partners when we connect them with customers — not by you. That keeps our service free for everyone, and it means we only succeed when you find coverage you're genuinely happy with.
What we stand for
- Accessibility — life insurance explained simply, for everyone.
- The right match — options suited to your needs, never a one-size-fits-all sale.
- Independence — we compare across partners so you can choose with confidence.
- No pressure — free, no obligation, and the choice always stays with you.