Protect the people you love. Even if you climb.
Get a fair term life price in 2 minutes and apply online, with no sales calls and no medical exam for most people. If you climb, ski or fly, we have coverage that most brokers can't place.
Luke Neufeld, climber and paraglider
See your price in 2 minutes.
Your price is fixed for the whole term and never goes up. We compare leading Canadian insurers so you don't have to.
- No sales calls. Talk to an advisor only if you want to
- Apply online in about 20 minutes
- Most approvals come in days, not weeks
- We don't charge you. The insurer pays us
Which describes you?
I don't do mountain sportsSee instant prices from our insurer panel, then apply online.Get my instant quote → I climb, ski backcountry, paraglide or similarRegular quotes don't price mountain sports properly. Take the 60-second check for your climber estimate.Start the activity check →Not in AB, BC, ON or NB yet? Tell us where you live and we'll let you know when we launch there.
Covered in three steps, all from your couch.
Get your price
Answer a few questions and see real prices from Canadian insurers. It takes 2 minutes.
Apply online
Pick your plan and finish a short health questionnaire. It takes about 20 minutes, and most people don't need a medical exam.
Get approved
Approvals usually take a few days to a week. Your policy arrives by email.
102 five-star reasons to skip the sales pitch.
It was surprisingly simple to get setup for life insurance with Affinity. For anyone involved in adventure sports I wouldn’t hesitate to recommend their service. It brings a lot of peace of mind to know that if I make a mistake and things do go badly wrong, my family won’t also have costs to cover on top of that.
Loads of great info on the website to help guide you in the right direction. My wife feels much better about a policy that covers me while doing the activities we love! Easy to apply, and sign up. Probably took about 15 minutes from start to finish, and received the policy docs with in a week.
Great no nonsense platform. The entire application was online and only took a few minutes. Great option for anyone looking for life insurance that covers climbing, skiing, and other "extreme sports" often not covered by traditional life insurance options.
"I built Affinity Life so buying insurance feels like buying anything else online: clear prices, no pressure, done in an evening."
I've been a licensed advisor since 2014. I got tired of watching families sit through sales pitches for products they didn't need, so I put the whole process online. You can learn, compare and apply on your own time, and talk to me only if you want to.
I'm also a climber. When I lost a close friend and partner in the mountains in 2020, I saw what his family went through. That's why Affinity also covers the people most insurers turn away.
Philip's videos have 675,000+ views. Here's where to start.
Plain-English videos on how life insurance works, what it costs and when it's worth it. No jargon and no pitch.
How much life insurance do you actually need?
Four numbers, one honest starting point. Then price it in 2 minutes.
The 10-minute life insurance checklist.
Everything Philip walks clients through, on one page, so you can buy with confidence or know it's not for you yet.
- How much coverage you need, and for how long
- The 6 signs you're about to overpay
- What to disclose so a claim is never denied
Straight answers before you buy.
What term life actually costs by age, and what moves the price.
4 min readSix concrete signs you're paying more than you should for coverage.
3 min readHow insurers really treat climbers, and how to avoid an exclusion.
2 min readStraight answers.
How does Affinity make money if I don't pay a fee?
The insurance company pays us a commission when you buy a policy. Your price is the same as buying direct, sometimes lower.
Will my price go up if my health changes?
No. Term prices are locked for the whole term. The plans we offer can also be renewed or converted to permanent coverage, even if your health gets worse.
Do I need a medical exam?
Most people don't. Depending on your age, the coverage amount and your health answers, some insurers may ask for a quick paramedical exam. We'll tell you before you apply.
Can I cancel?
Yes, at any time, with no penalty.
Which provinces do you cover?
Alberta, British Columbia, Ontario and New Brunswick. If you live elsewhere, join the waitlist and we'll email you when we launch in your province.
Tick life insurance off your list tonight.
Get your price in 2 minutes. There's no obligation and no sales call.