How it works
Three steps: see your price in about two minutes, apply with Amal, and the insurer puts the coverage in force. Most files take three to six weeks end to end, and nothing is bought until you say so.
Reviewed by Amal Mahendran, licensed life insurance advisor, Ontario, licence 11120499. Updated September 18, 2026.
Step one: see your price
About two minutes. You give a mortgage balance, how long you want the coverage to last, your date of birth and whether you use tobacco. The site asks Canadian insurers what they would charge somebody with those answers and shows you what came back.
Nothing here is an application, and nothing is bought. A price is an estimate until an insurer has read your answers and agreed to them.
Step two: apply with Amal
Half an hour, spread over a day or two. Amal calls to go through what came back, tells you where the bank's coverage is the better deal if it is, and helps you pick the amount and the term. Then the application: your details, the mortgage, the health questions, who the money goes to.
The health questions are the part people worry about. They are asked now, before anything is issued, which is the whole point: an insurer that has read your answers and issued a policy cannot come back at claim time and say it would have asked.
Some files need more than the questions — a phone interview, or a nurse who comes to your house with a blood pressure cuff. You are told which before you apply, and the appointment is booked around you.
Step three: coverage in force
One to six weeks, depending on the insurer and on what they asked for. While it is with them you can see exactly what is outstanding, who is acting on it, and when it is due.
When the insurer approves it, you review the policy, sign the delivery papers and set up the payment. From the day the first premium is taken, you are covered. If the price came back different from the estimate — it happens, and it is usually health — you see the new number and the reason before you accept anything.
What happens after
Coverage that is in force is not a thing you file away. Your mortgage renews, you move, you refinance, the term runs out. Each of those is a moment when the coverage should be looked at, and each is a reminder you will get rather than a date you have to remember.
If you had bank coverage, the last step is cancelling it — after your own policy is in force, never before.
What is not built yet
This site is being built in the open, and some of what is described above is not here yet. Today you can see your price, save it to an account, and talk to Amal. The online application, the document uploads, the signing and the progress tracker are being built now; until they are, Amal does those parts with you directly. Every page that is not finished says so rather than pretending.
Questions people ask
How long does the whole thing take?
Most files take three to six weeks from the application to coverage being in force. A straightforward file with no medical can be a week; one that needs a nurse visit and a doctor's report can be eight. You are told where the file is at every step, in the portal, the moment it is recorded.
Do I have to talk to anyone?
To see your price, no. To apply, yes: a licensed advisor has to review the application before it goes to an insurer, and that is Amal. The call is usually fifteen minutes.
What does it cost to use this?
Nothing. The insurer pays the advisor a commission out of the premium, which is the same premium you would pay going to the insurer directly.