If you are looking for basic term insurance go to
www.winquote.net or
http://www.kanetix.ca and you can work out the lowest premium. For most people term insurance is the way to go. Buy term and invest the difference elsewhere. Agents make a lot more commission on UL or whole life policies but for most people these plans aren't the best bang for their buck. Unless you are maximizing your RRSP's don't even worry about UL as an option. A UL policy was once explained to me as being like a bath tub without the plug in it with the water running.....you have to put a lot into it to get anything out of it.....there are a lot of fee's and expenses that most agents aren't as likely to point out. These are just my opinions and you should also google life insurance needs analysis or consult a INDEPENDENT financial advisor. Good luck!