All life companies provide term coverage. Most have strengths such as specializing in health insurance. Some companies may offer lower rates in the early years of a policy vs companies that may offer savings over the long term.
Chose your favourite company from the list to learn more.
BMO Life Insurance
Canada Protection Plan
Sun Life Financial
Transamerica Life Canada
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Policyholder Dividend: A yearly return to the policyholder of surplus earnings based on the company's experienced and anticipated costs. Policyholder dividends are not guaranteed but depend on mortality and morbidity experience, investment earnings, expenses and other factors. They may be increased or decreased at the discretion of the company.