How much life insurance do I need—and for how long?
Match each financial need to its amount and duration instead of buying one large number for one long period.
Articles
Understand the decision before choosing the product.
Direct answers, practical differences and visible limitations—including the lower-cost or no-purchase option.
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Term vs. permanent insurance: which should I get?
Term and permanent insurance solve different duration problems. The higher-priced product is not automatically the better one.
Can I get life insurance with a health condition?
Often yes, but the insurer, evidence and timing can materially affect the result.
When does replacing a life insurance policy make sense?
Replacement can improve fit or price, but it can also reset costs, guarantees and underwriting risk.
Why disability insurance if I have EI or workers’ compensation?
EI is temporary and workers’ compensation is tied to work-related injury or illness. Individual disability insurance answers a different gap.
Why you should have disability insurance even if you work a safe job
The relevant risk is not only a workplace accident; it is any covered condition that prevents you from doing the work your income depends on.
What does ‘guaranteed’ mean in a life insurance policy?
A guarantee applies only to the specific value or condition named in the contract—not to every illustration on the page.
Is life or disability insurance haram? What Canadian Muslims should consider
There is no responsible one-line answer for every Muslim, product and circumstance.
Can I buy life insurance for my parents in Canada?
In Ontario, a family member can be insured, but consent, underwriting, ownership and purpose still matter.