CanadaNovember 2, 2026
Is Your Workplace Life Insurance Enough? What Canadians Should Know
Read more →
ivari Life Insurance
Compare & Get Your Free Quote
ivari has been in the Canadian market since 1928 — offering term, universal life, critical illness, and no-medical coverage, including the uniquely flexible Term 30 with built-in SelectOptions. We compare ivari with 20+ carriers to find your best fit. Our advice is always 100% free.
WHO IS IVARI?
ivari is a Canadian life insurance company whose products have been in the market since 1928 — including policies from Transamerica Life Canada. Rated AM Best A (Excellent) in 2026 with over 700,000 policyholders, ivari offers a focused range of term, universal life, critical illness, and no-medical coverage.
1928
In the Canadian market since
A
AM Best rating (Excellent) 2026
700K+
Policyholders across Canada
INDEPENDENT ADVISORS
Your Expert Advisors
We are independent advisors — not ivari employees. We compare ivari alongside 20+ Canadian carriers to find your best coverage at the lowest rate.
Denesh Logeswaran
Co-Founder & Director
A builder and mentor to a growing team of licensed agents across Canada, Denesh focuses on practical, tax-aware protection strategies for families and entrepreneurs.
Lucia Medina
Co-Founder & Director
Known for her client advocacy and meticulous service standards, Lucia leads our service operations to ensure prompt follow-through and proactive policy maintenance.
Independent broker disclosure: Quotes Life Insurance is operated by DCW Financial Inc. We are independent advisors licensed through Experior Financial Group Inc. This page is not an ivari website. ivari has not endorsed or approved this page.
ABOUT IVARI
ivari at a glance
ivari is a Canadian life insurance company whose products have been in the Canadian market since 1928, including policies from Transamerica Life Canada. It has been owned by Sagicor Financial Company Ltd. since October 2023, is regulated by OSFI, and is an Assuris member. AM Best upgraded its rating to A (Excellent) in July 2026. Head office at 200-5000 Yonge Street, Toronto.
1928
In the Canadian market since
A
AM Best rating (Excellent) — July 2026
700K+
Policyholders across Canada
$15B
Total assets
⭐
ivari Term 30 — uniquely flexible
Automatically renews at year 30 into permanent coverage. Between the 15th and 20th anniversary, three built-in SelectOptions can be exercised:
Select30
Stop paying premiums and reduce coverage for the remainder of the 30-year term.
SelectLIFE
Stop premiums, reduce and extend coverage for life as paid-up final expense coverage.
SelectVALUE
Access the policy's cash value by surrendering, decreasing, or converting to ivari universal life.
PRODUCTS
ivari Life Insurance Products
Term
Term Life Insurance
Available in 10, 20, and 30-year terms with guaranteed level premiums. Term 30 includes unique built-in SelectOptions exercisable between the 15th and 20th anniversary.
✓ Joint coverage for up to 5 insured lives
Universal Life
Universal Life Insurance
Permanent lifetime coverage with fund value. Includes Living Benefits (fund access if disabled or critically ill) and Compassionate Assistance Program for terminal illness.
Critical Illness
Critical Illness Insurance
4-condition (cancer, heart attack, stroke, bypass) or 25-condition version. Can be added as a rider with no additional policy fee. Bundling can save up to 15%.
✓ Early Detection Benefit included
No Medical
No-Medical Life Insurance
Simplified Life (up to $500,000, ages 18–74) and Guaranteed Life (up to $25,000, guaranteed acceptance, no health questions, ages 18–74).
Learn more on ivari's official site
ivari.ca (ivari.ca)About Us
Every Family Deserves Financial Security
Quotes Life Insurance, operated by DCW Financial Inc., is a family-built, client-first brokerage led by Denesh Logeswaran and Lucia Medina. Founded in 2024.
We operate as independent advisors contracted through Experior Financial Group Inc. (MGA), giving us access to 20+ top Canadian carriers, so we always recommend what's right for you.
Fully Regulated & Licensed
100% Free Advice, Always
Truly Independent Broker
Google Reviews
Client Stories
What Our Clients Say
Real experiences from families we've helped protect
Free Consultation
Ready to Protect Your Family?
Get your free quote in minutes. No fees, no pressure, just expert advice from licensed Canadian brokers.
No fees ever · 100% free advice