Use
https://www.winquote.net/ www.kanetix.ca to get some quotes. The first link will rank the companies offering coverage in Canada. Big difference is the premiums are guaranteed, you pick the beneficiary and it is not the lending inst. and the coverage isn't on a declining scale. Level premiums and level coverage which you can usually get for a lower premium vs creditor insurance as they blend the rates and include healthy/unhealthy/smoker/non-smoker rates into one.....For DI there are only a handful of strong providers in Canada : Canada Life/Great West Life as GWL owns Canada Life, RBC, Manulife and Sunlife. You may pay a bit more on the DI side but the coverage and wordings are superior to anything the banks can offer. There are other benefits that I haven't covered as this is on the fly....