Skip to main content
Aerial view of the Lions Gate Bridge in Vancouver in autumn, the city skyline behind it.

Protecting Your Family & Income

Many families are less protected than they think.

Choose the moment you are in. We will show you the one thing most people in that moment miss.

Which of these is you?

Choose one. Each moment in life has its own blind spot.

Your blind spot will appear here.

Nothing you choose is saved or sent.

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.

Book a Protection Review

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.

Book a Protection Review

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.

Book a Protection Review

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.

Book a Protection Review

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.

Book a Protection Review

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.

Book a Protection Review

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.

Book a Protection Review

The Protection Review

One private meeting. A clear plan for your family’s protection.

Together we look at where your family stands today, what is missing, and what would work for you.

There is no cost and no obligation.

Book a Protection Review
ASCENTHYAYour Protection Review

Your plan

Where you are today
What is missing
What we recommend
What we go through together in your Protection Review.

Three events that can change everything

Each one affects your family in a different way, so each one has its own plan.

Losing someone

If an income stopped for good, what would your family still have to pay?

$9.6 billion in life insurance went to Canadian families in 2025.Source: CLHIA, Canadian Life & Health Insurance Facts, 2026 Edition

  • The income stops.

    One of the incomes your family lives on stops for good.

  • The bills do not stop.

    The mortgage is still due, the children still go to school, and the debts are still there.

  • The insurance keeps them safe.

    The mortgage is paid off, the income is replaced until the children are grown, and school is paid for.

Book a Protection Review

Surviving something serious

If you get through a serious illness, what does the year after cost?

More than 6 million people in Canada live with heart disease or stroke.Source: Heart & Stroke Foundation, February 2026

  • Life stops for a while.

    Months off work to get better, and often your partner takes time off to help.

  • The costs still come.

    Treatment, medicine and travel that your plan at work may not pay for, and changes to your home.

  • One payment helps with the year after.

    One payment, made once the illness is confirmed, that you can use for anything.

Book a Protection Review

Being unable to work

If you could not work for two years, what money would come in?

11 million Canadians have disability cover. In 2025 it paid $10.5 billion to replace wages.Source: CLHIA, Canadian Life & Health Insurance Facts, 2026 Edition

  • The work stops.

    An illness or injury stops you from working, maybe for years.

  • The bills still come.

    Rent or mortgage, groceries and other bills still come every month.

  • A monthly payment takes over.

    After a short waiting time, the insurance pays part of your income every month until you can work again.

Book a Protection Review

Why it is better to plan early

The price of cover depends on your age and health on the day you apply. Waiting never makes it easier.

If your health changes, cover can cost more, or you may not be able to get it at all.

Canadian households owe $1.76 for every $1 they earn after tax.

Source: Statistics Canada, household debt to disposable income, second quarter of 2026.

44 out of 100 Canadians will get cancer in their lifetime. Many recover, but the year after costs money.

Source: Statistics Canada, lifetime probability of developing cancer (2018 data, published 2023).

Book a Protection Review

How Ascenthya works

What we recommend is based on what your family would really need, and for how long.

Not a round number that only sounds safe. We compare more than 70 insurance companies to find the right fit.

$157 billion was paid by insurers to nearly 30 million Canadians in 2025.

About 1 in 100,000 claims leads to a complaint. When it matters, insurers pay.

Source: CLHIA, Canadian Life & Health Insurance Facts, 2026 Edition. Complaint figure from the OmbudService for Life and Health Insurance.

$131.5Mof coverage in place for the families we serve
70+insurance companies across Canada and the United States

Figures as of October 2026.

Your first meeting

  1. Choose a time

    There is no cost and no obligation. Meet by video, or in person at our offices in Toronto and Vancouver.

  2. Meet your consultant

    One of our professional consultants looks at your family’s situation with you.

  3. Leave with a clear plan

    By the end of the meeting, you will know what would work for your family. The decision is always yours.

Plan on the good days, for the hard days.

Book a Protection Review