Who depends on you?
Income, care, home and future plans.
How we helpStart with what matters.
Start with what matters.
Then explore what fits.
Your family. Your protection. Your budget.
The big picture, in three steps01 02 03
What’s already there?
Savings, personal policies and work benefits.
What fits your life?
Your needs, your budget and your priorities.
Already insured? Here’s what to check.
Coverage amountsBeneficiariesExpiry & renewal costsChanging jobs
Bring your policy summary and workplace benefits booklet to a review. You don’t need to send documents through this website.
Explore workplace coverage ↗Different events. Different protection.
When health affects your plans.
Disability insurance
May replace part of your income if illness or injury prevents work.
What to check
Definition of disability, waiting period and benefit duration. Payment depends on policy terms.
Critical illness insurance
May pay a lump sum for a covered diagnosis.
What to check
Covered conditions, exclusions and any survival period. The diagnosis must meet the policy’s definitions.
Life insurance, disability and critical illness cover different situations. One does not replace the others.
Independent learning resources
Canada.ca: Life insurance · Disability insurance · Health insurance
A conversation.
No pressure to decide.
Let’s talk ↗Recommendations require an individual review with an appropriately licensed advisor.