Life Insurance FAQs

Yes, North Cover Life Insurance provides coverage for almost any cause of death, including natural death, terminal illness with a life expectancy of 12 months or less, and accidental death. The only exceptions are where the causes are as a result of attempted suicide or suicide within 24 months of the policy’s start date.

Life insurance claims happen at a time that’s already difficult, and we don’t want to make it any harder. Generally claims are processed within 2-5 days of receipt of the completed claim form and supporting documents.

Yes, you can. We’d be sorry to see you go, of course, but we know life happens. If you need to cancel your policy, we just need your cancellation request in writing to support@northcover.ca. For more information, call us at 1-844-203-85231-844-203-8523 between 8am and 8pm (ET) Monday to Friday, or have us give you a call back.

Yes, North Cover Life Insurance policies cover accidental death unless it is caused by attempted suicide or suicide in the first 24 months of getting your policy.

North Cover Life Insurance coverage ranges from $100,000 to $1.5 million. The amount you’re covered for will depend on your specific policy and a number of factors, for example your age and smoking status. While how much your beneficiary or beneficiaries will get varies, it’s usually an amount that can give them a financial helping hand for several years or help with major expenses like a mortgage.

North Cover Life Insurance covers a lot, but there are a few things to keep in mind. It doesn’t cover insured events that are caused by attempted suicide or suicide within 24 months of getting a policy. Review your policy document and be sure to get in touch if you have any questions – our licensed advisors are here to guide you through the process.

North Cover Life Insurance provides coverage for terminal illnesses with a life expectancy of 12 months or less¹. Take a look at your policy document for more details. If you have questions, get in touch to speak with one of our trusted advisors.

Your North Cover Life Insurance policy will cover you as soon as the policy is active, however death caused by attempted suicide and suicide within 24 months of getting a policy are excluded.

North Cover Life Insurance coverage amounts range from $100,000 to $1.5 million. How much you’re eligible for will depend on your age at time of application. Get a quote now and start the straightforward application process now.

Review your policy document to get the details on your North Cover Life Insurance benefits. If you have questions, our team of licensed advisors are ready with answers. Give us a call at 1-844-203-85231-844-203-8523 between 8am and 8pm (ET) Monday to Friday.

Yes. North Cover Life Insurance provides coverage for terminal illnesses with a life expectancy of 12 months or less¹. If you’re diagnosed with a terminal illness, you can make a claim to receive 100% of your benefit.

Of course! You can choose up to five beneficiaries to receive your North Cover Life Insurance payout after you pass away.

At this time, North Cover Life Insurance offers single-life coverage to cover yourself. Your partner can request a quote and take out their own policy.

If you’re a Canadian resident (excluding Quebec) and aged between 18 and 70 when you apply, you may be eligible for North Cover Life Insurance. If that sounds like you, get in touch and speak to one of our licensed advisors for a quote now.

Your North Cover Life Insurance policy will cover you wherever you are in the world, as long as you are a Canadian resident (excluding Quebec) and aged between 18 and 70 at the time of application.

Life insurance premiums generally aren’t tax deductible in Canada, but life insurance benefits (claims payouts) are typically tax free. The Canada Revenue Agency website is a great go-to for all the details on life insurance and taxes. Remember to always seek qualified professional advice about the tax implications of any insurance product, as tax laws may change in the future.

No, North Cover Life Insurance policies don’t expire. A policy will end only when the person insured passes away or requests the terminal illness payment, or if the policyholder cancels or if we have to cancel it.