Top 10 Medical Conditions That Can Disqualify You From Life Insurance in Canada Applying for life insurance usually involves answering questions about your health. Depending on the policy and amount of coverage, the insurance company may also request medical records, bloodwork, urine testing, or other information. Naturally, this leads to a common question: "What [...]
Life Insurance Through Work vs. Personal Life Insurance: Is Employer Coverage Enough? If you have a comprehensive benefits package through your employer, there is a good chance it includes some form of life insurance. For many Canadians, workplace coverage may even be their first experience with life insurance. This raises an important question: "Is the [...]
Should You Keep Life Insurance After Your Mortgage Is Paid Off? Paying off your mortgage is one of life’s biggest financial milestones. After years of monthly payments, suddenly owning your home without a mortgage can significantly reduce your household expenses and financial risk. It can also raise an important question: "Do I still need life [...]
Can You Have More Than One Life Insurance Policy in Canada? If you already have life insurance but your financial responsibilities have changed, you may be wondering whether you need to replace your existing policy or simply purchase another one. The good news is that Canadians can generally own more than one life insurance policy [...]
What Does a Life Insurance Broker Do? A Canadian Consumer’s Guide Buying life insurance can seem straightforward until you begin comparing policies. Term lengths, permanent coverage, medical underwriting, conversion privileges, premiums, riders, and insurer-specific requirements can quickly make the decision more complicated. This is where a life insurance broker can help. Rather than representing only [...]
How Much Life Insurance Do I Need? A Canadian Guide for Every Stage of Life One of the first questions people ask when shopping for life insurance is, “How much coverage do I actually need?” The answer isn’t the same for everyone. A 30-year-old with a young family has very different financial responsibilities than a [...]
RBC A670 vs. A707GIO: Choosing Between Higher Coverage and More Certainty With RBC, you may have a choice When you already have Group Long-Term Disability coverage, RBC may allow us to structure your individual disability insurance in one of two ways. This choice usually becomes relevant when you have Group LTD coverage and your income [...]
What Is a Capital Dividend Account (CDA)? A Guide for Canadian Business Owners Many incorporated business owners have heard the term Capital Dividend Account (CDA), but few fully understand how valuable it can be. In fact, the Capital Dividend Account is one of the most powerful tax-planning tools available to Canadian-controlled private corporations (CCPCs), allowing [...]
Life Insurance for High-Income Canadians: 10 Strategies to Protect and Preserve Wealth For many Canadians, life insurance is simply a way to protect a spouse or children if the unexpected happens. However, for high-income earners, incorporated professionals, executives, physicians, dentists, lawyers, and business owners, life insurance serves a much broader purpose. At higher income levels, [...]
Top 50 Frequently Asked Questions About Life Insurance in Canada (2026 Guide) Life insurance is one of the most important financial tools available to Canadians, yet it remains one of the most misunderstood. Whether you’re purchasing your first policy, reviewing existing coverage, or planning your estate, you probably have questions. This guide answers the 50 [...]
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