Life Insurance On Your Terms

Helping protect your family’s future is easier and more affordable than you think. Rates starting as low as $5 a month. Coverage up to $1,000,000.

Our Online Individual Term Insurance is the easiest way to insure your family.

Those with fixed-term insurance needs, such as parents of growing families, will benefit from our online, self-serve and highly customizable life insurance product.

Do you live a healthy lifestyle and have basic financial needs? Get coverage fast! We offer life insurance without the hassle.

Apply online today – with no paperwork or medical exams your application may be in force within minutes.  What are you waiting for?

Quick Facts

Initial Eligibility 18-60
  • $100,000-$1,000,000 depending on age and health.
  • Maximum coverage available:
  • Ages 18-45: $1,000,000
  • Ages 46-50: $500,000
  • Ages 51-55: $250,000
  • Ages 56-60: $150,000
Duration Terms from 10, 15, 20, up to 25 Years
Premiums Affordable monthly premiums starting as low as $5 a month. Premiums will not increase during the term.
Renewable/ convertible No
Underwriting Online approve or decline. No medical exam.

Term life insurance with benefits now.

Get healthy living benefits and peace of mind with our term life plan.

Step 1
Get a quick quote and/or try our coverage needs analysis tool to find the right coverage for you.

Step 2
Select your preferred term.

Step 3
Answer some quick health questions.

Step 4
Upon instant approval, set up your monthly payments and register on our Member portal to access your policy documents and living healthy benefits.

Insurance Calculator

How much coverage do I need?

Take a minute to find out.

Get in Touch

Still have questions?

Send us an email or give us a call

Contact Us


nowly is a division of Teachers Life Insurance Society (Fraternal) (“Teachers Life” or “we”) nowly is a division of Teachers Life Insurance Society (Fraternal) (“Teachers Life” or “we”) which sells life, and accident and sickness insurance. All benefits are provided, and all policies are underwritten, by Teachers Life. nowly, Teachers Life and all trademarks used on this website are owned or licensed by Teachers Life. All rights are reserved. nowly products and services are available to residents of Canada in all provinces and territories, except Québec. Quotes are intended as an estimate only and are not guaranteed to be accurate. Your actual policy terms, including your premiums and coverage details may be different from the quote you receive, and, in some cases, we may have to review your application and ask for additional information. “Instant Coverage Now” is based on what most applicants may experience. It might take longer to be approved depending on the information you provide in your application, and you might not be approved for any coverage. Our 30-day money back refers to our 30-day free look period where you can cancel your policy and receive a full refund 30 days from the date of delivery of your policy or within 60 days after the date the policy is issued, whichever is earlier. You can cancel your insurance contract by notifying us in writing within the free look period that you wish to cancel. Always refer to your policy for the most detailed and accurate information about your coverage, including limits and exclusions. Your insurance policy will always prevail if there’s ever a conflict with the information found on this website or other materials or communications we provide to you. For details about the benefits of being a member and your eligibility for member benefits, please read our Terms of Use. By using this website, you accept and agree to our website terms of use. Please contact nowly at or call: 416-620-1607 or Toll Free: 1-844-667-5433 if you have any questions. If you’re a nowly member, you can log in to the member portal at: if you have any questions.