Life Insurance Leads in Canada
Real-time Canadian life insurance leads. Filter by age, coverage amount, smoker status, province and health band. Consent captured and timestamped on every lead.
What are life insurance leads in Canada?
Life insurance leads in Canada are enquiries from consumers requesting a term or whole life quote. Buyers filter primarily on age, coverage amount, smoker status and province, since those four fields determine whether a policy is worth writing. Shared leads typically trade in the $20–50 CAD range and exclusive leads in the $70–180 CAD range. Non-smokers aged 25–55 requesting $250,000 or more in coverage attract the highest bids.
Price ranges are planning estimates derived from North American benchmarks, not quotes. Confirm with live bids.
Who buys life insurance leads in Canada
- Independent insurance advisors
- MGAs and brokerage networks
- Direct-to-consumer insurtech
- Final expense specialists
- Group benefits advisors cross-selling personal coverage
Purchase intent: Moderate to high. Life insurance shoppers research longer than mortgage shoppers.
Seasonality: January and September — new-year planning and back-to-school financial reviews
Volume: High and stable year-round
The fields that matter
These are the data points buyers filter and bid on. Capture all of them and your leads clear at the top of the range.
| Field | Why buyers care |
|---|---|
| Age | The primary underwriting and pricing variable. |
| Coverage amount | Drives commission, so it drives the bid. |
| Smoker status | Materially changes premium and advisor interest. |
| Province | Determines which advisors are licensed to write. |
| Health status | excellent · good · fair · poor — self-reported |
| Postal code | For territory routing. |
How buyers typically filter
A representative filter set for this vertical:
Smoker is falseAge is between 25 and 60Coverage amount is greater than or equal to 100,000Province is one of ON, AB, BC
Operating notes
- Age bands matter more than any other filter. A 32-year-old requesting $500,000 and a 68-year-old requesting $25,000 are different businesses — price and route them separately.
- Smoker status is self-reported and will be verified at underwriting. Expect some slippage and build it into your economics.
- Final expense (small face amounts, older applicants) behaves like a distinct vertical. Run it as its own campaign rather than filtering within this one.
- Advisors must be provincially licensed. Verify licensing before you approve a buyer in a province.
Get started
Life Insurance lead questions
How much do life insurance leads cost in Canada?
Shared life insurance leads typically trade between $20 and $50 CAD, exclusive between $70 and $180 CAD. Coverage amount and age band move the price more than anything else — a non-smoker in their thirties requesting substantial coverage will always clear at the top of the range.
What filters matter most for life insurance leads?
Age, coverage amount and smoker status, in that order. Those three determine whether the policy is worth an advisor’s time. Province matters too, because advisors must be licensed in the province where the client resides.
Are life insurance leads worth buying if I am a new advisor?
Volume purchasing punishes a slow follow-up process, so it is worth building your contact workflow before you scale spend. Start with a small daily cap, measure your contact rate honestly for a few weeks, and only increase volume once you are reaching most of the people you buy.
Do you sell final expense leads?
Final expense is available as a separate campaign because the buyer set, the price point and the qualifying fields are all different from term life. Contact us and we will set it up.
Ready to buy or sell life insurance leads?
Fifteen minutes. Tell us your vertical, your volume, and what's broken about your current setup. If we're not the right fit, we'll tell you that too.