Most advisors are approved within 24–48 hours of submitting a complete contracting package. Where deficiencies or outstanding requirements are identified, such as pending criminal background checks, advisors will be asked to take prompt corrective action in order to facilitate the efficient completion of the contracting process. You'll receive status updates by email at every stage.

What provinces are Oneday products available in?

Our products can currently be sold in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, New Brunswick, and Nova Scotia. Shortly, our products will also be available in Quebec, Prince Edward Island, Newfoundland and Labrador, and the Territories — Yukon, Northwest Territories and Nunavut.

How does Pay on Approval work?

When your client chooses to pay on approval, the first premium is drafted the moment the policy is approved. Our double-billing protection ensures they're only charged once per month.

Do I need medical exams for any Oneday product?

No. Every tier in the Oneday Open Series is simplified-issue. Clients answer a short health questionnaire, no fluids, no paramedicals, no APS chasing.

Can I use my own CRM with the Oneday platform?

We're working on building a full CRM integration in 2026.

What happens if my client gets declined?

We'll tell you why, and we'll suggest the Oneday tier most likely to approve them next. A decline in Prime often becomes an approval in Plus or Core; we don't lose the client, we re-route them.

Getting Started

New to Oneday? Start here, applying, onboarding, and your first sale.

How do I apply to become a Oneday advisor?

Fill out the 2-minute application at /get-contracted. Our contracting team reviews it within one business day and reaches out with next steps.

Is there a cost to get contracted?

No. There's no signup fee, no monthly subscription, and no minimum volume commitment. You only pay for anything you explicitly opt into, like leads.

What should I have ready before I apply?

Your active provincial licence number, your E&O certificate, your preferred MGA (if any), and a rough sense of your monthly production.

I'm not licensed yet, can I still apply?

You can submit an application to start the conversation, but we can't issue a contract until your provincial life insurance licence is active.

How long until I can write my first case?

Upon contract approval, advisors are immediately assigned a selling code, and granted access to the system. Your first case can go in the same day your portal access is granted.

Do you offer training?

Yes. Every new contracted advisor gets a 45-minute onboarding call, access to the on-demand training library, and a dedicated success manager for their first 30 days.

Contracting & Licensing

Becoming a contracted advisor, E&O requirements, and province coverage.

What licences do I need to sell Oneday products?

Advisors can sell Oneday products in the same provinces in which we operate (refer to "What provinces are Oneday products available in?" for the complete list of jurisdictions in which we operate).

Do I need my own E&O insurance?

Yes; with satisfactory minimum coverage amounts depending on your life licenses held.

Can I hold contracts with other carriers at the same time?

Absolutely. Oneday is non-exclusive. Write with whoever serves your client best.

What's the difference between contracting direct vs. through my MGA?

If you're already affiliated with an MGA, we can contract you under their hierarchy and commission schedule. If you're independent, you contract directly with Oneday at our standard rates.

Can my agency or MGA get a direct contract with Oneday?

Yes. We work directly with agencies and MGAs. Reach out through /contact with the subject "Contracting" and we'll schedule a call.

What happens when my licence is up for renewal?

You'll be required to update your APEXA profile (where applicable) with your renewed license details, or email a copy of your renewed license to contracting@onedayinsurance.ca. We'll make sure to efficiently update our internal records, to ensure no interruption in your ability to place new business, or receive commissions.

Can I add team members under my contract?

If you're an agency owner or team leader, yes. You'll get a hierarchy view in your dashboard to onboard sub-advisors under your code.

Products & Underwriting

The Oneday Open Series, eligibility rules, and how approvals work.

What's included in the Oneday Open Series?

Four simplified-issue tiers (Prime, Plus, Core, and Guaranteed) covering virtually every eligible Canadian from ages 18 to 80.

Which product gets issued instantly?

Prime is our only instant-issue tier. Plus, Core, and Guaranteed have deferral periods.

What are the max coverage amounts?

Prime: up to $500K. Plus: up to $350K. Core: up to $250K. Guaranteed: up to $50K. Blended strategies can stack higher.

Does Oneday offer term and permanent?

Yes. All four tiers offer T10, T20, T30, and T100 (permanent). You pick what your client needs.

How long does underwriting take?

Average turnaround is under 24 hours. Prime approvals can be instant (real-time, during the application).

What health conditions are typically declined?

Anything that fails the knockout questions on the simplified questionnaire, active cancer treatment, recent heart attack or stroke, terminal diagnosis, etc. We publish the full list in the advisor portal.

Can I quote multiple tiers on one application?

Yes. The platform runs your client through every tier and shows you the highest-approval product automatically.

What's the policy fee?

$30/year across all tiers.

Are there ratings or exclusions?

Our 14-question medical questionnaire quickly determines the client's eligibility.

Is there a free look period?

Yes. 10 days from policy delivery. Full premium refund, no questions asked.

Platform & Tools

Using the advisor portal, e-signatures, quoting, and policy management.

How do I log into the advisor portal?

There are two portals. Use Oneday Pro 1.0 (portal.onedayinsurance.ca) for legacy Day One Series policies, or Oneday Pro 2.0 (www.onedaypro.app) for the new Open Series and any new business going forward. Sign in with the email on your contract. First-time users click "Set your password" from the welcome email. You can also use /login on this site to choose between portals.

I forgot my password, how do I reset it?

Click "Forgot password" on the login page. A reset link will be sent to your contracting email within a minute.

Does the platform support e-signatures?

Yes. Every application is e-signed through our built-in flow, no DocuSign, no printing, no paper.

Can I quote without starting an application?

Yes. The quote tool runs standalone. You can save quotes, email them to clients, and convert a saved quote into a full application in one click.

How do I see all of my in-force policies?

Book of Business > Policies. Filter by status, product, client, or issue date. Export to CSV anytime.

Can I share a client link for them to complete their own application?

Yes. Each application has a "Send to client" action that generates a secure link. You'll see real-time progress as they fill it in.

Does Oneday integrate with WinQuote or other illustration software?

Yes, we're live on WinQuote, and we're building an internal illustration software.

Where do I manage client documents?

Every policy has a Documents tab with the contract, delivery receipt, and any correspondence. You can download anything as PDF.

Commissions & Payments

Pay on Approval, commission statements, and direct deposit setup.

When do I get paid?

As soon as the client makes their first premium payment, you're paid.

How do I set up direct deposit?

Profile > Payment Info > Add Banking. We accept any Canadian chequing account. First deposit takes 2–3 business days to verify.

Where can I see my commission statements?

Commissions > Statements. Our commission system gives advisors line-item detail, real-time chargeback visibility, and full export to PDF.

What if a policy is cancelled or lapses?

Standard chargebacks apply; the chargeback schedule can be found under the Products section of the portal. The platform shows any outstanding chargebacks in real time on your commissions dashboard.

Are commissions paid on every tier the same way?

No, each tier has its own schedule; commission schedule can be found under the Products section of the portal. Prime pays the highest first-year commission.

Do I receive renewal commissions?

Yes, on all term products through the level period. Permanent products have ongoing renewal schedules as specified in the commission schedule.

How are taxes handled?

We issue a T4A annually. You're responsible for remitting HST/GST on commissions where applicable, talk to your accountant.

Lead Platform (Coming Soon)

Ordering leads, tracking performance, and getting the most from your spend.

What kinds of leads does Oneday offer?

Exclusive, real-time Canadian life insurance leads, no shared lists, no recycled prospects. Pre-screened for province, age band, and rough health status.

How do I order leads?

Lead Platform > Order Leads. Choose your province(s), daily cap, and budget, leads start flowing within 24 hours of first deposit.

What does a lead cost?

Pricing varies by province and volume. Most advisors pay between $15–$45 per exclusive lead. Full pricing is visible in the order flow before you confirm.

What if a lead is bad?

Every lead has a 48-hour return window. Disconnected numbers, wrong person, or clearly fake submissions are credited back automatically.

Still stuck?

Talk to a human.

Our Canadian support team reads and replies to every message within one business day. For urgent cases, give us a call.

Send a message 1-800-655-2795

Mon–Fri, 9:00am – 6:00pm ET