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Canadian looking for life insurance-term or Universal? Which company would you opt for?

I have gotten quote for Universal Life from RBC and Co-operators. They seem reasonable priced but still shopping around for something suitable. I'm 30 and my husband is 33 and we are both non-smoker

Public Comments

1. I have dealt with both companies and both are good life insurers. My personal preference (of the two) would be The Cooperators. Dealing with a cooperative vs a bank is a big difference in my experience. As an independent broker I have a bias towards dealing with independent insurance brokers. We can shop the market on your behalf. This is especially important if you have ANY medical, lifestyle or occupational concern. (for example - blood pressure, marijuana use, pilot) I suggest you also get a quote from a local, independant broker if you want another perspective. Otherwise, go with Coop Hope that helps.