Terms and Conditions of Use

Last updated: October 29^th, 2026

Terms and Conditions of Use

These Terms and Conditions of Use ("Terms") apply to your access to and use of northcover.ca and all webpages on that domain (the "Website"), including the products and services made available through it. By using the Website, you agree to these Terms. If you do not agree, do not use the Website. If there is any conflict between these Terms and an insurance policy, certificate, application, or another separate agreement between you and us or the underwriting insurer, that other document will govern to the extent of the conflict.

1. Changes to these Terms

We may update these Terms from time to time. When we do, we will post the updated version on the Website and update the "Last updated" date. Your continued use of the Website after revised Terms are posted means you accept the revised Terms. We recommend that you review this page from time to time. Please also read our Privacy Policy, which explains how we handle personal information.

2. Who we are

In these Terms, "North Cover", "we", "us", and "our" mean GFSC Life Inc., carrying on business under the registered trade name North Cover, at Suite 1600, 2 Sheppard Avenue East, North York, Ontario M2N 5Y7. North Cover distributes insurance products only where it is licensed or otherwise authorized to do so. Unless we clearly say otherwise, North Cover is the distributor, not the insurer. Insurance coverage is issued by Teachers Life Insurance Society (Fraternal). "You" and "your" mean anyone who accesses or uses the Website.

3. Information on the Website

The Website content is for general information only. It is not legal, tax, financial, or insurance advice, and it is not a complete description of any product or coverage. Product summaries, examples, calculators, FAQsFrequently Asked Questions, and other Website content are subject to the full terms, conditions, exclusions, limitations, eligibility rules, and definitions in the applicable policy and related documents. While we take reasonable care to keep the Website current and accurate, content may change at any time. To the fullest extent permitted by law, we do not guarantee that the Website content is complete, accurate, current, or suitable for every purpose. Please review the applicable policy documents carefully and consider speaking with a licensed advisor before deciding whether coverage is right for you.

4. Availability in Canada

The Website is intended for residents of Canada who are accessing it from Canada, and only in jurisdictions where North Cover and the relevant insurer are licensed or otherwise authorized to offer the products or services described. North Cover products are not currently available in Quebec. Not all products, coverages, policy features, premiums, or services are available in every province or territory. Nothing on the Website is an offer to sell, solicit, or provide insurance where doing so would be unlawful. If you access the Website from outside Canada, you do so at your own initiative and are responsible for complying with local laws.

5. Website not intended for minors

This Website is intended for adults. If you are under the age of majority in your province or territory, do not submit personal information, request a quote, or apply for insurance through the Website unless a parent or legal guardian is involved and any consent required by law has been obtained.

6. Privacy and cookies

We collect, use, disclose, retain, and protect personal information in accordance with our Privacy Policy and applicable privacy laws. By submitting personal information through the Website, you acknowledge that you have read our Privacy Policy. Where required by law, we will obtain your consent for the collection, use, or disclosure of personal information for identified purposes. Our Privacy Policy explains what information we collect, how we use and safeguard it, who we may share it with, how long we keep it, how to contact our Privacy Officer, and how to request access to or correction of your personal information or make a privacy complaint. Subject to legal or contractual restrictions and reasonable notice, you may withdraw consent to certain uses or disclosures.

We and our service providers may use cookies and similar technologies to operate, secure, remember your preferences, analyze Website use, and improve the Website. Where required by law, we will ask for consent before using non-essential cookies or similar technologies. More information, including any choices available to you, will be set out in our Privacy Policy or any cookie notice on the Website.

7. No representations or warranties

Except as expressly stated, and to the fullest extent permitted by law, the Website and its content are provided "as is" and "as available". We do not promise that the Website will always be available, uninterrupted, error-free, secure, compatible with your device, or free of viruses or other harmful components. Nothing in these Terms excludes, limits, or waives any right, condition, warranty, or remedy that cannot lawfully be excluded, limited, or waived.

8. Appropriate use of the Website

You may use the Website only for lawful purposes, including to learn about our products, request a quote, submit an application, manage a policy where available, or contact us about insurance-related questions. You may use the Website only for yourself, or for another person if you are authorized to act for them and have obtained any required consents. You must not use the Website for any fraudulent, speculative, misleading, or unauthorized purpose.

9. Information you submit must be accurate

When you request a quote or submit an application, you promise that the information you provide is true, accurate, current, and complete to the best of your knowledge and belief, and that you are authorized to provide it. Quotes are estimates only and are not guaranteed. Eligibility, premiums, coverage, and policy terms may change based on underwriting review, verification, additional information, or applicable law. A quote request or application does not create coverage and does not guarantee approval.

10. If you misuse the Website

If your breach of these Terms causes us loss, and that loss results from your fraud, unlawful conduct, or deliberate misuse of the Website, you agree to reimburse us for the resulting loss, including reasonable legal fees. This does not apply to the extent the loss was caused by our negligence, fraud, or wilful misconduct.

11. Prohibited uses of the Website

In using the Website, you must not, directly or indirectly:

(a) use any robot, spider, scraper, data mining tool, or other automated means to access, monitor, copy, extract, or compile Website content without our prior written permission;

(b) interfere with, or try to interfere with, the operation, security, or integrity of the Website or any related system;

(c) introduce malware, malicious code, or other harmful material;

(d) reverse engineer, decompile, disassemble, or otherwise try to derive source code, algorithms, or underlying software from the Website, except to the extent this restriction is not permitted by law; or

(e) use any content from the Website for commercial exploitation without our prior written permission.

12. Limits on our liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, punitive, or consequential damages, or for any loss of profits, revenue, business opportunity, goodwill, anticipated savings, or data, arising from or relating to your use of, or inability to use, the Website. Nothing in these Terms excludes or limits liability for any right, remedy, condition, or warranty that cannot lawfully be excluded or limited. Where the law implies a condition or warranty that cannot be excluded, our liability is limited, to the extent permitted by law, to re-supplying the relevant services or paying the cost of having them re-supplied.

13. Intellectual property

All content on the Website, including text, graphics, logos, icons, images, software, and other material, and all trade names, trademarks, service marks, and branding displayed on the Website, are owned by us or used under licence by us, unless otherwise stated. You may view, print, or download material from the Website for your personal, non-commercial use only. No right, title, or interest in any content is transferred to you. You must not copy, reproduce, publish, distribute, modify, sell, or otherwise use Website content except as permitted by law or with our prior written consent.

14. Links to other sites

The Website may include links to third-party websites or services for convenience only. We do not control those websites or services, and we do not endorse, approve, or accept responsibility for their content, availability, privacy practices, products, or services. If you choose to use a third-party site, you do so at your own risk and should review that site's terms and privacy policy.

15. No waiver and severability

If we do not exercise or enforce a right under these Terms, that does not mean we have waived it. If any part of these Terms is found to be illegal, invalid, or unenforceable, the rest of the Terms will continue in full force and effect.

16. Governing law

These Terms and your use of the Website are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict of laws rules. If you reside in another province or territory, any mandatory laws of that jurisdiction that apply to you will continue to apply and will prevail to the extent of any conflict.

Before starting a legal proceeding, please tell us about the concern and give us a reasonable opportunity to review it through our complaint process. However, nothing in these Terms limits your right to contact an insurer complaint officer, the OmbudService for Life & Health Insurance (OLHI), an applicable insurance regulator, or to exercise any right or remedy that cannot lawfully be excluded, limited, or waived, including any right to bring or participate in a court proceeding or class proceeding where that right cannot be waived in advance.

17. Agreement language

These Terms are available in English and may also be made available in French.

If you are a resident of New Brunswick, any form or document relating to a contract of insurance that must be provided or made available to you will be provided or made available in both official languages in accordance with applicable law.

Where English and French versions of these Terms, or any such form or document, are made available for use in New Brunswick, neither version will govern solely because it is written in English, and any inconsistency will be resolved in accordance with applicable law.

For residents of provinces and territories other than Quebec and New Brunswick, where a translated version of these Terms is provided for convenience only and conflicts with the English version, the English version governs to the extent permitted by law.

North Cover Feedback and Complaints Process

If you have feedback or a complaint about the Website, a quote, an application, a sales interaction, or service provided by North Cover, please use the process below. We will review concerns fairly, impartially, and in good faith.

If your complaint is about the insurer's decision

If your complaint is about underwriting, eligibility, premiums, coverage, policy terms, policy administration, claims handling, or another decision made by the underwriting insurer, you should also follow the insurer's complaint process and ask the insurer for its written final position letter.

Step 1: Contact North Cover

Please contact us and provide enough detail for us to review your concern. We may ask for supporting information or documents. We will acknowledge receipt promptly and aim to address your concern as quickly as reasonably possible.

Step 2: Management review

If your complaint is not resolved to your satisfaction at Step 1, you may ask that it be escalated for management review. To request a management review, call 1-844-203-85231-844-203-8523 or email support@northcover.ca. We will conduct a further review and provide a written response.

Step 3: Final internal response

If you remain dissatisfied after management review, you may ask that your complaint be reviewed by our designated complaints officer or complaints team. After we complete our internal complaint process, we will provide a written final response setting out our position, the reasons for it, and any further options that may be available to you.

Step 4: External options

If your complaint relates to a decision made by the underwriting insurer and you have received the insurer's final position letter, you may be able to bring the complaint to the OmbudService for Life & Health Insurance (OLHI), if the complaint falls within OLHI's mandate.

If more than 90 days have passed since you submitted your complaint to the insurer and the insurer has not provided a final position letter, you may contact OLHI for guidance.

If your complaint relates to North Cover's conduct as a distributor or agent, or if you believe an insurer, agent, or business has breached insurance law or regulatory requirements, you may also contact the insurance regulator in the province or territory that applies to your complaint.

Nothing in this complaint process limits any right you may have under applicable law to contact an insurer complaint officer, OLHI, an applicable insurance regulator, or a court or other forum of competent jurisdiction.

OLHI contact details

OLHI is a free, independent, and impartial service for Canadian life and health insurance consumers.

Toll-free: 1-888-295-81121-888-295-8112

Mail: 2 Bloor Street West, Suite 700, Toronto, ON M4W 3E2