For Canadians
Understand it.
Plan for it.
Protect what matters.
Simple guidance, interactive tools and trustworthy information to help you make more confident insurance decisions.
Where are you in life?
Explore Tools & Resources
How Much Coverage Might I Need?
A structured needs estimator based on your financial situation. Educational — not financial advice.
Start estimator →Term vs Permanent Insurance
Compare the two main types of life insurance side by side. Key differences, costs and when each makes sense.
Compare types →Life Insurance by Life Stage
Get guidance tailored to your situation — from starting a family to planning an estate.
Explore life stages →Research Insurance Companies
Browse Canadian insurance companies, managing general agents and brokerages.
Search the registry →Questions to Ask
A structured checklist of questions to ask when meeting with an insurance advisor.
View checklist →Coverage Explorer
Explore different coverage scenarios to understand how coverage decisions affect your protection.
Explore coverage →My Insurance Plan
Your personal insurance planning workspace. Track your learning progress, estimate your needs and research organizations — privately, in your browser.
- Life insurance basics
- Estimate how much coverage you may need
- Term vs Permanent comparison
- Companies researched
- Questions for your advisor
Myth or Fact?
Common misconceptions about life insurance — clarified with plain-language explanations.
Group life insurance from your employer is valuable, but it typically provides only 1–2× your annual salary — which may fall well short of what your dependents would need. Coverage is also lost if you change jobs. Most guides suggest considering additional individual coverage.
What to do: Use our coverage needs estimator to see whether your current coverage matches your situation.
Term life insurance is often more affordable than people expect, particularly for younger, healthier applicants. Many Canadians overestimate the cost by 3–5×. The best way to understand cost is to get quotes from licensed insurers.
Yes, claims can be denied under specific circumstances — typically during the contestability period or if material misrepresentation occurred on the application. After the incontestability period (usually 2 years), most claims for causes unrelated to misrepresentation are paid.
Ready to take the next step?
Explore life insurance coverage options with Canadian providers.
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