Reliable, affordable life insurance — protecting Canadians when it matters most.
At Citadel Financial Wealth Group (CFWG), we know life insurance isn’t one-size-fits-all. That’s why we offer a full range of affordable, flexible, and reliable life insurance options for Canadians — whether you’re protecting your family, building generational wealth, or preparing for final expenses.
Let’s explore your options — and find the right policy for your needs.
We make it easy to understand your choices. Here are the main types of life insurance available in Canada:
Best for: Budget-conscious Canadians who want affordable protection for a set period.
✔️ Coverage for 10, 20, or 30 years
✔️ Lower monthly premiums
✔️ Tax-free payout to your beneficiaries
✔️ Option to renew or convert to permanent coverage
✔️ Great for covering temporary financial needs (like a mortgage or raising kids)
👉 Learn more about term life insurance
Best for: Those seeking lifelong coverage with built-in savings and stability.
✔️ Guaranteed lifetime protection
✔️ Fixed premiums that never increase
✔️ Cash value that grows over time
✔️ Can be used to build a tax-advantaged estate or legacy
✔️ May be eligible for dividends (depending on the provider)
Perfect for long-term planning, wealth transfer, and funeral coverage.
👉 Learn more about whole life insurance
Best for: Canadians who want life insurance plus an investment component.
✔️ Permanent coverage with adjustable premiums
✔️ Invest part of your premium for tax-deferred growth
✔️ Access your policy’s cash value later in life
✔️ Great for higher-income earners or entrepreneurs
A flexible solution for those focused on insurance + investment in one plan.
👉 Learn more about universal life insurance
Best for: Canadians with pre-existing health conditions or those seeking fast approval.
✔️ No medical exams or health questions
✔️ Approval is guaranteed (certain age restrictions apply)
✔️ Choose term or permanent coverage
✔️ Ideal for seniors or those who have been declined before
Picking the right policy comes down to your goals. Ask yourself:
✅ Do I need coverage for a specific time period or for life?
✅ Am I planning to leave a legacy or just cover final expenses?
✅ Do I want a policy that includes savings or investments?
✅ What can I realistically afford each month?
Still not sure?
📞 Speak with a CFWG licensed advisor — we’ll help you compare quotes and understand your best-fit option.
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!
Whether you’re:
A new parent
A homeowner with a mortgage
A business owner looking to protect partners
Nearing retirement
Living with health conditions
CFWG has a life insurance solution designed for you.
Term life insurance provides coverage for a set number of years and is typically more affordable. Whole life insurance lasts your entire life and builds cash value over time.
Yes! Our No Medical Life Insurance plans offer guaranteed approval with no health questions — perfect for seniors or those with pre-existing conditions.
No — life insurance benefits are tax-free for your beneficiaries in most cases.
The younger and healthier you are, the better your rates will be — but it’s never too late to get the right protection.
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.
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© 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
