nowly is a division of Teachers Life Insurance Society (Fraternal) (“Teachers Life” or “we”) which sells life, and accident and sickness insurance. All benefits are provided, and all policies are underwritten, by Teachers Life. nowly, Teachers Life and all trademarks used on this website are owned or licensed by Teachers Life. All rights are reserved. nowly products and services are available to residents of Canada in all provinces and territories, except Québec. Quotes are intended as an estimate only and are not guaranteed to be accurate. Your actual policy terms, including your premiums and coverage details may be different from the quote you receive, and, in some cases, we may have to review your application and ask for additional information. “Instant Coverage Now” is based on what most applicants may experience. It might take longer to be approved depending on the information you provide in your application, and you might not be approved for any coverage. Our 30-day money back refers to our 30-day free look period where you can cancel your policy and receive a full refund 30 days from the date of delivery of your policy or within 60 days after the date the policy is issued, whichever is earlier. You can cancel your insurance contract by notifying us in writing within the free look period that you wish to cancel. Always refer to your policy for the most detailed and accurate information about your coverage, including limits and exclusions. Your insurance policy will always prevail if there’s ever a conflict with the information found on this website or other materials or communications we provide to you. We reserve the right to change, remove or cancel any of the products, services, or member benefits on our websites at any time, without notice to you. For details about the benefits of being a member and your eligibility for member benefits, please read our Terms of Use. By using this website, you accept and agree to our website terms of use. Please contact nowly at help@nowly.ca or call: 416-620-1607 or Toll Free: 1-844-667-5433 if you have any questions. If you’re a nowly member, you can log in to the member portal at: members.nowly.ca if you have any questions.