PolicyMe is Canada's leading digital-first term life insurance broker. Application takes 15 minutes. Most healthy applicants under 40 are approved with no medical exam — just a digital questionnaire. Quotes ~$22/mo for $500K coverage on a healthy 35-year-old non-smoker.
For healthy applicants under 40, PolicyMe is faster, cheaper, and less invasive than traditional insurers. If you need $500K-2M of term life and don't want a paramedical exam, this is the default starting point. Older applicants (45+) or those with health conditions may need a traditional broker.