Many families are less protected than they think.

I just bought a home

What most new homeowners miss

The mortgage insurance from your bank protects the bank.

If you die, it pays the bank, not your family. The amount it pays goes down as you pay off the mortgage. If you move your mortgage to another bank, it usually ends.

In your Protection Review, we check who your current cover really pays, and what your family would keep.

We have, or are expecting, children

What most parents miss

Your children need your income for about twenty years. Most cover is not built to last that long.

Cover through work is usually a small part of what a family needs, and it ends when the job ends. Many parents find out what they really have only when it is too late to change it.

In your Protection Review, we check how long your children would need support, and whether your cover lasts that long.

I earn most of our household income

What most main earners miss

The life insurance from your job is often only one or two years of your salary.

If your family lives on your income, that may carry them for a year or two. And if you leave or lose the job, the cover usually stops on the same day.

$533,000 is the average life insurance of a Canadian household, about five times its income. How does yours compare?Source: CLHIA, Canadian Life & Health Insurance Facts, 2026 Edition

In your Protection Review, we check what your work cover pays, and how long your family could live on it.

I own a business

What most business owners miss

If you cannot work for a few months, your business may not survive the year.

Your staff, your customers and the bank all depend on you. The right cover can pay the business while you recover, or help you keep control if a partner dies.

In your Protection Review, we check what would happen to the business, and to your family, if you could not work.

I am new to Canada or the United States

What most newcomers miss

Your safety net did not move with you.

Family nearby, savings and work benefits often stay behind. In many cases you can apply for cover soon after you arrive, and the price depends on your age and health today.

In your Protection Review, we check what protection you can get now, and what to put in place first.

I support my parents

What most people who support family miss

If your income stops, the money you send them stops too.

The support you give every month is part of someone else’s life. Cover can keep it going, so it does not end with you.

In your Protection Review, we check how much your parents rely on you, and for how long.

I am single and building my career

What most single people miss

Your bigger risk is not dying. It is not being able to work.

Without a second income at home, no one else pays the rent if an illness or injury stops you working. Cover that pays part of your income every month is often the first thing to put in place.

In your Protection Review, we check what you would live on if you could not work for a year.