Get your price: Canada Life · Sun Life · Manulife · Desjardins (Saskatchewan only)
We take applications from British Columbia, Alberta, Saskatchewan, Manitoba and Ontario only.
Monthly prices
Non-smoker in good health, no riders, age nearest birthday.
10 years, $25,000
| Age | Gender | Canada Life | Sun Life | Manulife | Desjardins (Saskatchewan only) |
|---|---|---|---|---|---|
| 30 | Male | — | $13.01 | $12.68 | $11.93 |
| Female | — | $12.96 | $12.57 | $12.44 | |
| 40 | Male | $12.56 | $19.08 | $17.61 | $16.81 |
| Female | $13.32 | $19.42 | $18.24 | $17.17 | |
| 50 | Male | $27.77 | $38.50 | $33.61 | $31.86 |
| Female | $24.39 | $33.62 | $30.28 | $28.49 | |
| 60 | Male | $67.59 | $89.75 | $78.05 | $73.80 |
| Female | $50.31 | $67.41 | $58.56 | $56.18 |
10 years, $50,000
| Age | Gender | Canada Life | Sun Life | Manulife | Desjardins (Saskatchewan only) |
|---|---|---|---|---|---|
| 30 | Male | $17.33 | $18.99 | $18.62 | $18.50 |
| Female | $16.79 | $18.90 | $18.40 | $17.96 | |
| 40 | Male | $25.11 | $29.12 | $28.48 | $26.91 |
| Female | $26.64 | $29.66 | $29.74 | $27.86 | |
| 50 | Male | $55.53 | $61.47 | $60.47 | $54.68 |
| Female | $48.78 | $53.33 | $53.81 | $51.98 | |
| 60 | Male | $135.18 | $146.88 | $149.36 | $136.35 |
| Female | $100.62 | $109.67 | $110.37 | $106.20 |
To age 75, $25,000
| Age | Gender | Sun Life | Manulife | Desjardins (Saskatchewan only) |
|---|---|---|---|---|
| 30 | Male | $31.61 | $26.77 | $28.22 |
| Female | $27.97 | $24.34 | $24.89 | |
| 40 | Male | $44.10 | $36.78 | $38.39 |
| Female | $40.61 | $33.23 | $34.90 | |
| 50 | Male | $73.58 | $55.57 | $62.17 |
| Female | $59.47 | $46.95 | $50.06 | |
| 60 | Male | $128.95 | $92.87 | — |
| Female | $92.61 | $70.64 | — |
To age 75, $50,000
| Age | Gender | Sun Life | Manulife | Desjardins (Saskatchewan only) |
|---|---|---|---|---|
| 30 | Male | $50.00 | $46.79 | $45.54 |
| Female | $43.92 | $41.93 | $39.65 | |
| 40 | Male | $70.79 | $66.82 | $67.01 |
| Female | $64.98 | $59.71 | $59.45 | |
| 50 | Male | $119.93 | $104.39 | $117.00 |
| Female | $96.44 | $87.16 | $88.79 | |
| 60 | Male | $212.18 | $179.00 | — |
| Female | $151.65 | $134.54 | — |
— means the insurer doesn’t offer it at that age or amount.
Rates read from each insurer’s own quoting tool: Canada Life on September 21, 2026; Sun Life, Manulife and Desjardins on October 22, 2026. The insurer confirms your price when it approves the application.
Who can apply
| Insurer | Plan | Length | Ages to apply |
|---|---|---|---|
| Canada Life | LifeAdvance 10-year | 10 years | 18 to 65 |
| Canada Life | LifeAdvance 20-year | 20 years | 18 to 54 |
| Sun Life | Sun CII Term 10 | 10 years | 18 to 65 |
| Sun Life | Sun CII Term 75 | To age 75 | 18 to 65 |
| Sun Life | Sun CII Lifetime | Lifetime | 18 to 65 |
| Manulife | Lifecheque Renewable 10 | 10 years | 18 to 60 |
| Manulife | Lifecheque Level 75 | To age 75 | 18 to 60 |
| Manulife | Lifecheque Permanent | Lifetime | 18 to 60 |
| Desjardins (Saskatchewan only) | Health Priorities Term 10 | 10 years | 18 to 65 |
| Desjardins (Saskatchewan only) | Health Priorities Term 20 | 20 years | 18 to 55 |
| Desjardins (Saskatchewan only) | Health Priorities Term to 75 | To age 75 | 18 to 54 |
How it works
- Pick your coverage. Choose an insurer, an amount and a length to see your monthly price.
- Apply online. Answer a few questions. A licensed advisor sends your application to the insurer.
- The insurer decides. The insurer reviews your application and makes the decision.
Frequently asked questions
How much is critical illness insurance a month?
For a 40-year-old non-smoker, $50,000 for 10 years costs $25.11 to $29.12 a month for a man and $26.64 to $29.74 for a woman at Canada Life, Sun Life and Manulife. Desjardins (Saskatchewan only): $26.91 and $27.86. Prices as of September 21 to October 22, 2026.
What does critical illness insurance pay?
One tax-free lump sum, paid to you, when you’re diagnosed with an illness the policy covers, such as cancer, a heart attack or a stroke, and you survive its waiting period, commonly 30 days. You can spend it on anything. Each insurer’s contract lists the illnesses it covers and how each one is defined.
Who can apply for critical illness insurance?
From age 18. The oldest age to apply is 65 for 10 years (60 at Manulife), 55 for 20 years (54 at Canada Life), 65 for coverage to age 75 (60 at Manulife, 54 at Desjardins) and 65 for lifetime coverage (60 at Manulife).
Do smokers pay more for critical illness insurance?
Yes. For a 40-year-old man, $50,000 for 10 years costs $42.26 to $50.67 a month as a smoker, against $25.11 to $29.12 as a non-smoker, at Canada Life, Sun Life and Manulife. Desjardins (Saskatchewan only): $45.23 against $26.91.
How do I apply?
Choose an insurer under Get your price and answer a few questions online. A licensed advisor sends your application to the insurer, which reviews it and makes the decision. We take applications from British Columbia, Alberta, Saskatchewan, Manitoba and Ontario only.