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Terms & Conditions

Last Updated: January 2025

1. Agreement to Terms

By accessing or using Northern Life Insurance services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2. Description of Services

Northern Life Insurance is a paid marketing brand that connects Canadians with licensed insurance advisors. We do not underwrite insurance policies directly. All insurance products are underwritten by licensed carriers.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a resident of Canada
• Provide accurate and complete information
• Have the legal capacity to enter into a binding agreement

4. Use of Services

You agree to:

• Provide accurate, current, and complete information during the quote process
• Maintain the security of your account credentials
• Use our services only for lawful purposes
• Not interfere with or disrupt our services

5. No Guarantee of Coverage

We do not guarantee that you will be offered insurance coverage or that any particular rate will be available. All insurance applications are subject to underwriting approval by the insurance carrier.

6. Third-Party Services

Our website may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party sites.

7. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Northern Life Insurance or its licensors and is protected by copyright and other intellectual property laws.

8. Disclaimer of Warranties

Our services are provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, secure, or error-free.

9. Limitation of Liability

To the fullest extent permitted by law, Northern Life Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services.

10. Indemnification

You agree to indemnify and hold harmless Northern Life Insurance and its affiliates from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any changes by posting the new Terms on this page with an updated "Last Updated" date.

13. Contact Information

If you have any questions about these Terms, please contact us at:

Email: [email protected]
Phone: +1 780-435-5132
Address: 1978 W Broadway, Vancouver, BC V6J 1Z2, Canada