QuickestCoverage
Licensed Canadian advisors 7 provinces · No medical exam
Life insurance, without the runaround

Find out where you stand, in about 60 seconds.

Quickest Coverage connects Canadians with licensed insurance brokers and advisors. Answer a few plain questions, verify your number, and an advisor calls you with real options. No medical exam, no obligation, and no cost to you at any point.

Where do you want to start?
A couple in their late sixties laughing on the front porch of their home

Final expense

Cover funeral costs and final bills so the people you leave behind aren't paying for them out of pocket.

Get started → A couple in their fifties standing on the front lawn of their home

Mortgage protection

Life insurance sized to your mortgage, paid to your family rather than the lender, so they decide what happens to the house.

Get started → A man in his fifties cycling on a tree-lined residential street

Living with diabetes

Type 1, Type 2, or prediabetes. Talk to an advisor who works with diabetic applications every week and will tell you straight.

Get started →
How it works

Three steps, and none of them involve a clinic.

1

Answer a few questions

Province, coverage, age, and a couple of health basics. Roughly sixty seconds, and nothing you have to look up.

2

We verify it's you

One text message with a six-digit code. It keeps bots out of the system, and it means a real advisor is calling a real person.

3

A licensed advisor calls

They bring your options, answer your questions, and help you apply if you want to. Deciding not to is a perfectly normal outcome.

Why people use us

Getting a straight answer shouldn't take three weeks.

You're not filling in a form for nothing

Every submission goes to one licensed advisor who is expecting it. No queue, no auto-responder, no being passed around.

Your number goes to an advisor, not a list

We verify it by text, then pass it to the licensed advisor handling your enquiry. We never publish it or add you to unrelated marketing.

No medical exam

Health questions happen on the phone. No labs, no needles, and no waiting weeks for results before you know anything.

Health conditions are the normal case

Diabetes, blood pressure, cholesterol, sleep apnea, mental health history. The advisors we work with deal with these every day.

Common questions

The things people ask first

Are you an insurance company?
No, and we are not a broker either. Quickest Coverage is a lead referral service operated by JustRates Inc., a Canadian performance marketing company. We don't underwrite, issue, or administer insurance policies, and we don't give insurance advice. What we do is connect you with a licensed Canadian insurance broker or advisor who does all of that.
What does it cost me?
Nothing, and there never will be. Here is exactly how we make money instead: when you complete the form and verify your number, we sell that enquiry to a licensed insurance broker or advisor and they pay us a referral fee. You pay us nothing at any point. If you go on to take out a policy, your only cost is the premium you agree with the insurer, and it is not increased because you came through us.
Which provinces do you cover?
Ontario, British Columbia, Alberta, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia. We are not currently able to help residents of Quebec, Newfoundland and Labrador, Prince Edward Island, or the territories.
Why do you text me a verification code?
To confirm the number belongs to the person filling in the form. It stops bots and mistyped numbers, it means an advisor never cold-calls someone who didn't ask, and it means you always know a submission was made in your name. It's one message, and you can stop at any point.
Will I get called by lots of different people?
In most cases a single advisor contacts you. Your enquiry is sold to a licensed insurance broker or advisor from our partner network, and occasionally more than one partner may be involved in servicing it. We do not sell your details to advertisers outside insurance, and we do not add you to unrelated marketing lists. You can ask for the current partner list at any time.
How do I get my information removed?
Email privacy@quickestcoverage.ca and we'll delete it. You can also reply STOP to any text to end messages immediately. Details are in our Privacy Policy.

What we are, plainly

Quickest Coverage is a lead referral service operated by JustRates Inc., a Canadian performance marketing company. We are not an insurer, not an insurance broker or agent, and not a licensed adviser. We collect the information you choose to give us and we sell it to licensed Canadian insurance brokers and advisors, who contact you to prepare a quote. We are paid a referral fee for each enquiry, which is how the service is funded and why it costs you nothing. Eligibility, pricing, and approval are decided by the insurer, not by us, and nothing on this site is an offer of insurance or a guarantee that coverage will be issued.