That’s our specialty.
We built Oneday for Canadians with health conditions other insurers avoid. No medical exam, no needles, see your price in 60 seconds and buy your policy yourself, start to finish online.
Check my price- 30-day free look
- Price locked for the term
- Tax-free payout
- No exam, ever
We’re not for everyone. That’s the point.
We built Oneday for people other insurers make jump through hoops. If that’s not you, a traditional insurer with a medical exam will likely beat our price, and you should take it. If it is you, we’re likely your best yes.
Diabetes, heart, weight? Covered.
We ask simple questions, not medical jargon. No exam needed, no doctor’s note, no blood work.
Declined before? Common here.
A large share of our customers were told no elsewhere first. Tougher answers change what we offer, they never close the door.
Online, at your pace.
Buy entirely on your own whenever you’re ready. Licensed advisors are one call away when you want a human, never a gate you have to pass through.
Self-checkout · New to Canada
Buy your policy yourself.
No phone call required, start to finish online.
- 1
Answer simple questions
Height, weight, and 14 health questions in plain language. Say yes to something and we ask a follow-up instead of failing you.
- 2
See your real price instantly
No email wall. Your price locks to today’s age, rates go up on your birthday, not before.
- 3
Buy, and you’re covered
Your first payment secures coverage. Policy documents arrive by email the same day. 30-day free look, full refund.
Rather talk it through? Licensed advisors, no pressure, 1 800 655 2795
Why self-checkout
24 hours. Not 3–6 weeks.
The traditional way still means strangers at your kitchen table and weeks of waiting. With Oneday, the application takes about 10 minutes, and your decision arrives within 24 hours.
Loved by Canadians who were told no.
Real Canadians · real reviews · verified on Reviews.io
Qualified easily Verified
“The process to qualify was surprisingly easy and stress-free. It’s clear they genuinely care about helping people protect what matters most.”
4 generations Verified
“I have 6 beautiful adult kids, 13 grandchildren and 4 greats, and I wasn’t getting any younger. Best decision I made for my future.”
For her daughters Verified
“My rep explained all the options available for me to be able to afford the best policy to leave for my daughters. Extremely positive and courteous.”
No surprises
The fine print, plainly.
Most insurers hope you won’t read this part. We’d rather you know everything before you pay, the guarantees and the catches.
30-day free look
Not happy? Full refund of everything you’ve paid within the first 30 days. No questions, no forms, no fees.
Price locked
Once approved, your premium is guaranteed for the full term. It never goes up because your health changes.
Tax-free payout
In Canada, your family generally receives the full death benefit free of income tax.
There’s a $30 annual policy fee
It’s already built into every price we quote in self-checkout, the number you see there is the number you pay.
Some policies start with a 24-month deferral
If your health history is more complicated, full natural-cause coverage starts after 24 months: accidental death pays the full amount from day one, and natural death in that window returns every premium paid to your beneficiary, Oneday keeps nothing. Healthier answers get full coverage from day one, no deferral.
Term coverage ends at age 80
Everyone qualifies for a permanent option that stays for life. Healthier answers also unlock 10-, 20- and 30-year terms, those renew and convert to age 70 and end at 80.
Who we cover
If one of these is you, you’re exactly who we built this for.
Simple language, no judgments. We ask height and weight, that’s it, no math needed.
Living with a condition
Mind & lifestyle
Your history
What you can get
One questionnaire. Your best possible yes.
You never pick a product or decode a brochure. 14 questions decide the strongest offer we can make you, and every applicant aged 18–80 gets one.
Every policy: $30 annual policy fee (already included in any price we quote), age nearest birthday, no riders. Your price is shown during self-checkout, before you commit to anything, and confirmed before any payment is taken.
Before you start
Questions from Canadians who were told no.
I was declined before, can you really cover me?
Yes. That is our specialty. Our coverage is designed so that every applicant aged 18 to 80 receives an offer, a previous decline elsewhere does not change that.
What varies is the offer: how much coverage, which lengths, and whether full coverage starts immediately or after 24 months. There is no decline letter here.
Do I need a medical exam?
Never, at any age, at any coverage amount. No blood work, no fluids, no doctor’s note. The questionnaire is the underwriting.
After you apply we check the MIB, an industry database that flags previously disclosed conditions. That happens in the background and needs nothing from you.
How is self-checkout legal? Don’t I need an advisor?
Oneday TPA Inc. is a licensed insurance intermediary, and every policy is issued by Humania Assurance Inc., a federally regulated Canadian insurer. Electronic applications and signatures are fully recognized in Canada.
An advisor is never required, but one is always available at 1 800 655 2795, and they will pick up your application exactly where you left it.
Will someone call me?
You never need a phone call to buy, self-checkout runs start to finish online. If you leave an application unfinished or something in your file needs a human look, a licensed advisor may follow up to help you across the line. And you can call us anytime at 1 800 655 2795.
Why are you more expensive than the quote I got elsewhere?
Because nobody takes a medical. A fully underwritten insurer screens applicants with exams and blood work, then charges the healthiest people less because it has proof they are healthy. We do not screen, so we price for the whole group.
If you would sail through that screening, take the cheaper policy, genuinely. If you would not, or already tried, the cheaper policy is not actually available to you.
What happens if I die during the 24-month deferral period?
If the death is accidental, your beneficiary receives the full face amount, immediately, from day one.
If it is from natural causes within the first 24 months, every premium you paid is returned to your beneficiary. Oneday keeps nothing. After 24 months, the full amount is payable for any cause. And if your answers allow full day-one coverage, there is no deferral at all.
Who actually insures me, Oneday or someone else?
Oneday TPA Inc. designs the products, runs the technology and administers your policy. The insurance itself is underwritten and guaranteed by Humania Assurance Inc., a Canadian life insurer founded in 1874.
Your contract is with Humania. Your day-to-day experience is with us.
Can my premium go up, or my coverage be taken away?
No. Your premium is guaranteed for the full term you select, and it does not change if your health changes afterwards. As long as premiums are paid, the policy stays in force.
The one thing you must get right is the application itself, undisclosed conditions can void a claim during the first two years. Answer honestly and you are protected.
Find out in 60 seconds if we can cover you.
No email required. Rates are set by your age at application and go up on your birthday, checking today locks in today’s age.
Check my price, 60 secBank-level encryption · 4.9/5 across 300+ Reviews.io reviews
This is the entire application
- Height & weight
- 30 sec
- 14 yes/no health questions
- ~4 min
- Beneficiary & payment
- Only if you buy
- Decision
- Within 24 hours
Nothing to dig up, no documents, no doctor’s letter, no appointment. Everything we ask is already in your head.