— Life insurance · Manitoba

Coverage for the people who depend on you.

Life insurance is not for you. It is for the people you would leave behind. Our job is to make sure the right amount lands in the right hands at the worst moment of their life — and to explain it in plain language while you decide.

See what we cover

20+Carriers compared on every file

7Days a week we are open, across three offices

3Languages — English, Hindi, Punjabi

— Why it matters

A quiet form of love.

Most people put life insurance off because the conversation feels heavy. We try to make it lighter. The math is usually simpler than expected: how much income do your dependents lose if you are gone, how much debt would need to be paid, and how long would the gap need to be filled.

We work it out with you and we keep the recommendation honest. If you do not need a million-dollar policy, we will say so.

Hands held together — a parent, a partner, a child

For the people who depend on you

— The three types

Term, whole and universal — what is the difference.

Term life

Coverage for a fixed period (10, 20, 30 years). Lower premiums, no cash value. The right choice for most young families covering a mortgage or income replacement.

Whole life

Permanent coverage with a guaranteed cash value that grows over time. Higher premiums, predictable. Used for estate planning, lifetime dependents, and as a long-term savings vehicle.

Universal life

Permanent coverage with a flexible investment component. Higher complexity, used in specific tax-planning situations. We will tell you whether it actually fits.

— A starting point

How much coverage you need.

A common rule of thumb is 7 to 10 times your annual income, plus enough to clear your mortgage and any other debts. Add the cost of childcare, education and a few years of breathing room for your family. Subtract any group life insurance you already have through work — but understand that work coverage usually ends when the job does.

New to Canada?

You do not need to be a Canadian citizen to qualify for life insurance in Manitoba — most carriers will consider you after a relatively short period of residency. We have walked many new Canadians through this process, and we explain every form in the language you prefer.

Financial conversations matter most in your first language. We are fluent in English, Hindi and Punjabi, and we are happy to include family members in the conversation.

— FAQ

Life insurance, common questions.

Term life vs whole life — which is right for me?

Term life covers you for a defined period — typically 10, 20 or 30 years — and is the right fit when the need is temporary: replacing income while kids are young, or paying off a mortgage. Whole life is permanent and includes a cash-value component, which suits estate-planning, business succession, or covering a final-expense need that never goes away. Most Manitoba families need term first; some add whole life later. We work it out together.

How much life insurance do I actually need?

A common starting point is ten times your annual income, plus outstanding debts (mortgage, lines of credit, student loans), minus liquid savings. From there we adjust for the years your dependants would need replacement income, education costs, and any business obligations. The right number is rarely a round one — it's whatever covers the gap between your income today and what your family would actually need without you.

How much does life insurance cost in Winnipeg?

Term life on a healthy 35-year-old non-smoker often costs less than a streaming subscription per month for $500,000 of 20-year coverage. Premiums rise with age, smoking status, medical history, and the term length you choose. Whole life is meaningfully more expensive because it builds cash value. We quote the full market so you see real numbers before you decide.

Can new immigrants to Manitoba get life insurance?

Yes. Most Canadian carriers will underwrite permanent residents and many will quote on a valid work or study permit after a short waiting period. Underwriting will look at your medical history, time in Canada, and travel patterns. We work with carriers who understand newcomer underwriting and can usually place coverage that a generic online quote tool would decline.

Can I get life insurance in Hindi or Punjabi in Winnipeg?

Yes. Every broker on the Galaxy team is fluent in English, and the team carries Hindi and Punjabi between them. Life insurance is one of the most important conversations a family will ever have, and it should happen in the language you actually think in. Tell us which language you'd prefer when you book.

Can I get life insurance if I have a pre-existing medical condition?

In most cases yes — though the carrier and the price will depend on the condition, how long ago it was diagnosed, and how well it is managed. We compare a wide market of underwriters because their appetites differ, and the carrier that quoted high for diabetes or high blood pressure may be perfectly comfortable with sleep apnea or a past cancer that is now in remission.

Do I need a medical exam to get life insurance?

Sometimes. For smaller policies and certain age brackets, simplified-issue products skip the medical exam entirely and rely on a questionnaire. For larger amounts the carrier usually requires a paramedical visit at your home or office. The exam is paid by the carrier and takes about thirty minutes. We tell you up front which underwriting path your application is on.

What's the difference between life insurance and critical illness insurance?

Life insurance pays your beneficiaries after you die. Critical illness pays you a lump sum on diagnosis of certain conditions — cancer, heart attack, stroke and others — while you are still alive, so you can afford to take time off work to recover. Many families need both. We can quote them side by side or bundle them under one policy.

I already have life insurance through work. Is that enough?

For most people, no. Employer group life is typically one to two times salary, ends when you leave the employer, and disappears entirely if you become too sick to work. A personally-owned term policy stays with you regardless of where you work, is portable across jobs and provinces, and is locked in at today's age and health.

A short conversation is enough to know where you stand.

Talk to a broker