Reliable, affordable life, critical illness, and health insurance — protecting Canadians when it matters most.
At Citadel Financial Wealth Group (CFWG), we provide simple, affordable, and personalized insurance solutions for Canadians at every stage of life. We specialize in life, health, income protection, and group benefits — tailored for individuals, families, and businesses in every province.
✔️ No pressure.
✔️ No jargon.
✔️ Just the coverage you need — from the team that puts people before policies.
We make insurance easier — and smarter. Explore our full range of trusted Canadian insurance solutions:
At Citadel Financial Wealth Group, we’re here to help you make smart, lasting choices about your family’s financial future.
✔️ Personalized Planning – We don’t believe in one-size-fits-all. Every client gets a plan tailored to their unique needs, family structure, and goals.
✔️ Licensed Experts – Our team is made up of experienced, certified Canadian insurance advisors.
✔️ Nationwide Support – Whether you’re in Toronto, Vancouver, Halifax, or anywhere in between, we’ve got you covered.
✔️ Transparent Process – No pressure. No jargon. Just clear, honest advice.
✔️ Access to the Best – We work with Canada’s most trusted insurance providers, so you always get competitive rates and top-tier products.
Call us from 9AM-9PM EST Monday to Friday or email us. Our Canadian-based team is happy to help!
Save more for your rainy day fund.
Get your obligation-free quote in just a few clicks
Most customers find out if they're approved right away
Plan for your family's financial future with true options.
Connect with Canadian advisors via online or phone
Life insurance premiums vary based on age, gender, coverage amount, and term length. Here’s an example of estimated monthly costs for a $500,000 term life insurance policy (20-year term, non-smoker):
| Age | Male | Female |
|---|---|---|
| 25 | $31/month | $22/month |
| 35 | $33/month | $26/month |
| 45 | $75/month | $54/month |
| 55 | $223/month | $155/month |
| 65 | $716/month | $487/month |
📝 These are sample quotes for non-smoking individuals. Your actual rate will depend on your health, lifestyle, and insurer.
Call us from 9AM-9PM EST Monday to Friday or email us. Our Canadian-based team is happy to help!
There are many reasons to get life insurance, especially when it’s so easy to shop and compare life insurance quotes with Citadel Financial Wealth Group.
Life happens do not think nothing will ever happen to you, protect yourself and your love ones today why risk hurting the peple you care about?
Make sure your loved ones can keep living the life you intended for them. A life insurance policy can make sure your family, children, or spouse are provided for in the event a life event happens.
Mortgages, car loans, lines of credit, credit cards; these don’t disappear if something happens to you. A life insurance policy can cover these debts and more should something unfortunate happen. Both critical and disability insurance policies are important to consdier.
The life you planned with your partner or family depends on your income. Make sure ongoing expenses and future plans are covered with your life insurance policy.
Relax, knowing your loved ones are taken care of, no matter what life throws your way. Citadel Financial Wealth group advisors have a quick, easy application process takes one more thing off your to-do list.
Check your price: no commitment, just quotes!
Apply online when you’re ready.
Licensed Canadian advisors are available by phone Monday to Sunday.
Give us a call at: +1 (877) 273-5614
Our advisors care, so there’s no pressure or upselling.
Guaranteed issue life insurance is the simplest — no medicals, no questions, and approval is guaranteed.
Yes. CFWG offers no medical and simplified issue policies designed specifically for those with medical concerns or past declines.
Absolutely. CFWG specializes in SME group benefits and health spending accounts for startups, contractors, and family-owned businesses.
Use our quick online quote tool to compare life insurance options from Canada’s top insurers. Just answer a few simple questions and get personalized quotes from 17+ leading providers — all in just minutes.
Yes, you can insure a loved one — but only with their full knowledge and consent.
We’re required to speak directly with any individual you wish to insure, unless they are a minor and you are their legal guardian. This ensures transparency and protects everyone involved in the process.
Buying life insurance while you're young, single, and healthy might seem unnecessary — but it can actually be the smartest time to lock in low rates.
When you're in good health and at a lower risk, you can qualify for more affordable premiums and broader coverage options. That said, life insurance isn’t one-size-fits-all. Speak with one of our licensed advisors to see if there are any gaps in your financial protection and whether now is the right time for a policy tailored to your needs.
Compare Life Insurance Quotes Instantly with the Citadel Broker Advantage — Fast, Free, and Tailored to You!
Secure | No Obligation | Free Expert Advice
Understanding Funeral Insurance: A Simple Guide for Canadians It’s not easy to think about, but planning ahead is the greatest gift you can give your loved ones. Get My Quote TL;DR: What is Funeral Insurance in Canada? Funeral insurance is a small life insurance policy designed to cover your end-of-life
What Life Insurance Doesn’t Cover in Canada Know the facts to keep yourself and your loved ones safe— at a competitive rate. Get My Quote TL;DR: What Life Insurance Doesn’t Cover Life insurance doesn’t cover everything — claims can be denied for suicide (within 2 years), undisclosed health conditions, missed
© 2025, Citadel Financial Wealth Group (CFWG). All rights reserved. Citadel Financial Wealth Group is a licensed insurance brokerage in Canada, proudly serving individuals, families, and businesses across the country.
CFWG offers life, health, and group insurance products through partnerships with many of Canada’s leading insurers. Insurance policies are subject to underwriting approval and may include limitations, exclusions, or waiting periods. Always refer to your official policy documents for complete terms and coverage details. In the event of any conflict, your policy contract will take precedence over information presented on this website or in any CFWG print or digital content.
CFWG is licensed and operates in the following provinces and territories:
Ontario (FSRA #36494M)
Alberta (License #5-11164367-2020 & 6-11164367-2020)
British Columbia (License #2022-0036740-R01)
Saskatchewan (License #09178)
Newfoundland and Labrador (License #23-78-CI090-1)
New Brunswick (License #210031147)
Nova Scotia,(License #2333071070000)
All pricing comparisons displayed on this website are based on current publicly available rates and may vary based on your health, age, coverage amount, and insurer. Timeframes for approval and policy issuance may vary depending on your application and underwriting requirements. In some cases, additional documents or medical examinations may be necessary.
Head Office:
150 King Street West, 2nd Floor, Suite 335
Toronto, Ontario M5H 1J9, Canada
