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Insurance, in plain language

No one loves thinking about insurance. These straight answers help you make confident, informed decisions — on your own time, before any conversation.

Life Insurance 101

The questions everyone asks

Start here. The fundamentals of life insurance, answered without the jargon.

Do I need life insurance?

If someone depends on you financially, the answer is usually yes. Here's how to know for sure.

Why is life insurance worth it?

What it really protects — income, debts, and the peace of mind that comes with both.

What does life insurance cover?

From final expenses to income replacement and future costs like education.

Term vs. permanent?

The honest trade-offs between the two main types — and when a mix makes sense.

How much do I need?

A simple way to size your coverage to your real obligations and goals.

What does it cost?

The factors that move your premium, and roughly what to expect.

Who can be a beneficiary?

Primary, contingent, minors, charities, and the choices that matter.

How does applying work?

From application to underwriting to approval — what each step involves.

What if I'm declined?

A decline isn't the end of the road. Here's what your options look like.

What are living benefits?

How some policies pay out while you're still alive, in serious illness.

How does it pay out?

The claim process, timelines, and what beneficiaries can expect.

How often should I review it?

The life events that should trigger a fresh look at your coverage.

Understanding your options

Coverage types, explained

Beyond life insurance — the other ways to protect your income, health, and family.

Term life insurance

Affordable, temporary protection — T10 through T40 — matched to your timeline.

Whole & participating life

Lifelong coverage that builds cash value, plus how dividends work.

Critical illness insurance

A lump sum on diagnosis of a covered condition, used however you need.

Disability & income protection

Replacing a portion of your income if illness or injury stops you working.

Health & dental

Personal plans that fill the gaps left by provincial coverage.

Travel insurance

Emergency medical and trip protection so a getaway never becomes a crisis.

Guides by life stage

Where you are right now

Insurance looks different depending on your stage of life. These guides start where you are.

Life insurance for Canadian seniors

Your options at 50, 60, 70 and beyond — from final expense to leaving a legacy.

Mortgage protection for young Canadians

Why your own term policy usually beats the insurance the bank offers at signing.

Whole life insurance for children

Use the Canada Child Benefit to build tax-sheltered wealth your child owns as an adult.

For business owners

Strategies for your business

Insurance isn't just protection — for a business, it's a planning tool.

Corporate-owned participating life

A tax-advantaged home for retained earnings that grows while staying accessible.

Buy-sell agreements

Insurance-funded continuity so an owner's exit doesn't put the business at risk.

Key person insurance

Protecting the business against the loss of someone it can't run without.

Attract and retain talent with benefits that set your business apart.

Still have questions?

The best answers are tailored to you

Reading is a great start. When you're ready, a short no-pressure conversation will get you specifics for your situation.

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