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No locked-in contracts, cancel anytime.
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Call 1-403-800-9108
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Not sure if this is the best plan for you?
No problem we can walk you through some simple questions to make sure you get a plan that’s the perfect fit.
FAQ’s
- Death from any activity in any country (Excluding suicide in the first two years)
- A lump sum tax-free death benefit that will be paid to your loved ones in the event that you, unfortunately, passed away
- A fixed-rate for the term that you select and guaranteed renewability (meaning you can renew the policy once your term is finished regardless of what happens to your health)
- 30-day grace period for missed payments
- 10-day free look period to cancel and get all your premiums back
- Cancel anytime after that without fees or penalties
- Suicide in the first two years of the policy (this is industry standard), however, your premiums paid would be returned if this did occur
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Both policies through CPP and iA are “Simplified Issue” products. This type of insurance is typically cheaper than traditional insurance for individuals who are engaged in extreme sports. Traditional insurance may appear less expensive initially but once your sports are disclosed the price is usually significantly increased or they will offer you an exclusion for those sports. You can learn more about that here
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All companies and insurance brokers will show prices for traditional life insurance at standard rates. That price is only an estimate and assumes that your lifestyle habits don’t include any extreme sports. If you went to apply for any of these companies, they would offer you either an exclusion (meaning they won’t cover) for your sports, or a rating. In most cases, the rating will be substantially more expensive than our simplified issue products. You can learn more about that here
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If you aren’t ly involved in any extreme sports, it may be cost effective for you to apply with a traditional product (which we also offer!). If you’re not certain which side of the fence you’re on, schedule a call with us and we’ll push you in the right direction.
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Nope! Our simplified issue products that cover extreme sports don’t require a medical exam. You can skip the needles and paramedical questions!
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There are only two reasons an insurance company can deny a claim. Suicide within the first 2 years and fraud on the application. If you answer the questions truthfully, you have nothing to worry about. Read more about that here
- Death from any activity in any country (Excluding suicide in the first two years)
- A lump sum tax-free death benefit that will be paid to your loved ones in the event that you, unfortunately, passed away
- A fixed-rate for the term that you select and guaranteed renewability (meaning you can renew the policy once your term is finished regardless of what happens to your health)
- 30-day grace period for missed payments
- 10-day free look period to cancel and get all your premiums back
- Cancel anytime after that without fees or penalties
- Suicide in the first two years of the policy (this is industry standard), however, your premiums paid would be returned if this did occur
- Suicide in the first two years of the policy (this is industry standard), however, your premiums paid would be returned if this did occur
Both policies through CPP and iA are “Simplified Issue” products. This type of insurance is typically cheaper than traditional insurance for individuals who are engaged in extreme sports. Traditional insurance may appear less expensive initially but once your sports are disclosed the price is usually significantly increased or they will offer you an exclusion for those sports. You can learn more about that here
All companies and insurance brokers will show prices for traditional life insurance at standard rates. That price is only an estimate and assumes that your lifestyle habits don’t include any extreme sports. If you went to apply for any of these companies, they would offer you either an exclusion (meaning they won’t cover) for your sports, or a rating. In most cases, the rating will be substantially more expensive than our simplified issue products. You can learn more about that here
If you aren’t actively involved in any extreme sports, it may be cost effective for you to apply with a traditional product (which we also offer!). If you’re not certain which side of the fence you’re on, schedule a call with us and we’ll push you in the right direction.
- Besides suicide in the first two years, the only other main reason an insurance company can deny a claim is for lying on your application
- Intentionally leaving out information or blatantly lying on your application can give the insurance company a reason to deny your claim
- Ensure that you read through each question carefully and answer them truthfully
- If you are unsure about any of the questions don’t hesitate to schedule a meeting with our team to ensure you completely understand them
Our customers share our passion
- AlikGreat 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.Melanie BodhiI would recommend this company 100%! After the birth of our second child, we decided that it was important to get life insurance. I had been hesitant to get insurance but was convinced by my partner that it was important. I found the website easy to use and convenient to do on our own time and pace. I enjoyed the low pressure experience that was also surprisingly informative. It was nice to feel in the "drivers seat" throughout the entire experience.Kirstin BartschAs opposed to many companies we attempted to get life insurance through, with affinity we filled out a health questionnaire online Instead of doing a long phone conversation, and were approved even though we participate in outdoor activities like climbing and skiing. The approval process was also very fast. Great experience, highly recommend
- Dale MonetteI've had the pleasure of working with Phil on several life insurance policies and have used his services with many clients assisting them with life insurance needs as well. Phil's expertise and commitment to finding the best product to suit each clients' needs are what sets him apart from the rest. Thanks so much Phil!Jon LamontI am so happy that I was introduced to Affinity Life.
I have always been overwhelmed by the thought of finding the right insurance at the right price for my family and I. They made it easy to compare policies/prices and made the process so seamless.
Thank you for the peace of mind.
I would highly recommend Affinity Life to anyone.Monica BennettSo glad that I found this website and was able to purchase life insurance for myself without having to talk to a salesperson. The process was quite easy and I didn't feel pressured at any point by the customer service reps. I would definitely recommend it to families looking for life insurance but don't want to have an advisor sales pressure them.