Life Insurance Calculator Made Easy.

Finding the right policy and coverage can be intimidating, but it doesn’t have to be. You can use our life insurance calculator to:

UCH Financial Insurance is an independent broker of Life Insurance in Ontario.

Our Insurance Partners

Already know what you want?


Don’t know how much coverage you need? That’s OK, use our tool to find the right amount and the best type of policy for you.


Don’t have time to call 20 companies? Search virtually every company in Ontario instantly.


Don’t know everything? We know insurance is a 10+ year commitment, our team is here to help you make the best decision possible.

Quick Quote or Detailed Analysis

Know how much of a policy and coverage you need? Great, go right to our quote page.

Don’t know what amount or type of policy coverage to get? We got you, use our handy Life Calculator tool to see what a financial planner would recommend to you.

What type of policy are you looking for?

Term Insurance

This type of policy is best suited to protect short term needs such as mortgage protection or income protection. You do not keep your term life insurance coverage forever, but term policies features low premiums.

Whole Life (Permanent) Insurance

One of the only guarantees we have is that we will eventually pass away. Whole life (permanent) insurance coverage is for keeps your entire life. Can cover final expenses, things like capital gains, or be used for estate planning.

Universal Insurance

This permanent policy is the most flexible type. It can be used as a Term 100 policy as well. You can pay the minimum premium or contribute more additional funds into your universal life insurance coverage that are deposited into an investment account that grows on a tax-free basis. 

No-Medical Insurance

Do you have a medical condition that has made getting coverage tough, or do you simply not want the hassle of needles and nurse appointment, no medical life insurance coverage is a perfect option. With just a medical questionnaire to get coverage, this convenient and increasingly popular option allows more people than ever access to coverage and protection. 

Senior Insurance

Recently retired or a retiree in need of the right policy and coverage? We excel in finding solution for our senior clients by partnering with companies that offer competitive specialized senior life insurance coverage.  

Mortgage Insurance

Many people opt into this type of mortgage life insurance policy provided through their lender, and unfortunately this is NOT good idea. Having an individual policy to cover your mortgage is better for a variety of different reasons. Ask us why!

Why are people flocking to online insurance?

Choice, flexibility, and convenience. Gone are the days where one company has the best of everything. Let us take care of your due diligence and find the right coverage with the right company. Get started by taking our policy and coverage quotes tool and receive a free quote.

What type of policy do you need?

There are many different types of policies to choose from, with different protection and investment features. For some, a term-based policy might be best, while others might benefit more from a universal and permanent policy. Some people’s needs might best be met with a combination of types. Use our financial planning tool to figure out the best solution for your specific needs.

How much coverage do you need?

It may be more than you think. To your loved ones, you’re priceless. Use our handy calculator to help determine the best amount of coverage to meet your needs and protect those who are most important to you.

Save Valuable Time

Let us search every major company in Ontario, so you don’t have to. Throw in our interactive, digital-only process, and you have more time on your hands to do you.

Best Rate

We work with over 20 insurance companies in Ontario, to ensure that you are getting the best rate on your insurance, with NO compromises. We hope you like to save money!


We pride ourselves on being industry leaders in cyber security. We know how important your information is, and we do everything to protect it.

Unbiased Advice

You’re not alone if you feel someone has tried to sell you insurance. We don’t need to sell because we have no ties to any company. We just want to make you happy.

In 2016, 20.3 billion in insurance premiums were paid to 91 providers. With 91 providers trying to win your business, it can be painstakingly difficult to sort through them all and find the best company. Let us make this as easy as possible for you!

Insurance On Your Terms


Expert Advice

As licensed, independent insurance brokers, we are free to choose from dozens of insurance companies. We evaluate their plans and processes, and then make the best recommendations for your needs. We can explain in plain terms all the details about whole life, term life, universal life, cash value, dividends, investment methods, tax considerations, estate planning, and so much more.

Licensed Brokers

  • Knowledgeable – Our team is made up of licensed insurance advisors that keep up-to-date with the insurance world.
  • Technology Driven – We have the tools in place to make sure your plan is foolproof. Take our insurance coverage calculator tool, for example. 
  • Confidential – All conversations with our team are strictly confidential.
  • Service For Life – Finding a policy is the first step. We want to have a lifetime relationship with you and your family to provide much needed protection.

Our Promise

We understand that choosing life protection is a sensitive and deeply personal topic. We are dedicated to our clients, ensuring that we always put their best interests first. We don’t want to sell you any policy – we want to help you meet your needs in the best, most convenient, and most cost-effective way.

Meet our team

Asher Shahzad, M.B.A, LLQP, RIBO, CRM™​

C.E.O + Founder Digital Division

Asher has lived all over the province, spanning from Windsor to Ottawa. He has earned his major in Risk Managment in 2015 from the University of Toronto, and quickly pivoted his specialty as a risk consultant to the financial services industry. Asher acquired his Life License Qualification Program (LLQP) and RIBO, and also working towards his Certified Financial Planning (CFP) designation. With early success in the financial service industry, Asher quickly was thrust into management roles, specializing in team building through creating great work culture, and in digital marketing strategies. These skills were utilized in the creation of UcH Financial Group, where the goal is geared towards an omnichannel advice platform that offers a wide range of financial products, all available digitally.


Is it less expensive to buy insurance directly from the insurance

Canadian law regulates insurance premiums according to national standards, so whether you buy directly from the company or through a licensed broker like NorthWise, premiums are the same. We get compensated by the insurance company, so you get free, unbiased, expert advice from us for the same price.

Yes, we can! If you want to review your policies, adjust your coverage, or make other changes, we would be glad to assist. We can even take over servicing your existing policies to help serve you better.

Often, people start thinking of life insurance when a major event occurred – think getting married, buying a home, having a child, and many other situations. If you’re not sure whether you need it or if it’s the right time for you, just ask! We’d be glad to review your situation and make our recommendations.

We’ll be here to help any time you need us, from the application process, to policy issue, and beyond. For more than 30 years, we’ve been helping our clients navigate many challenges and opportunities they face

There are life insurance policies that are designed for older adults. Everyone’s situation is different, but we’re confident that, no matter your age, we can help you find the right policy for you at the right price. 

Buying life insurance as a young adult can mean locking in a lower premium rate. Also, you can build cash value in a life insurance policy that you may be able to access later in life. 

Request a quote online, use the live chat feature on our site, or give us a call so we can get started on the perfect plan for your needs.

Let Us Help You Grow and Protect Your Family

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