Resources
Everything you need to make a confident decision.
Tools and plain-language guides — so you understand your options before you talk to anyone.
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Articles & Guides
Short reads on the questions people ask most.
Coverage Types
How life, term, and permanent insurance work.
Start with these guides
How Much Life Insurance Do I Need?
A simple, step-by-step way to estimate the coverage your family would actually need.
Term vs. Permanent Life Insurance: What's the Difference?
How the two main types of coverage work, and how to think about which fits your needs.
What Affects the Cost of Life Insurance?
The main factors insurers consider, and simple ways to keep coverage affordable.
Is Life Insurance Through Work Enough?
Why group coverage is a great perk — and why it often isn't the whole plan.
Life Insurance for Young Families
What new parents should think about when it comes to protecting their family.
Life Insurance Considerations for Business Owners
Key questions business owners should explore when building a protection plan.
What Is Life Insurance and How Does It Work in Ontario?
What Is Life Insurance and How Does It Work in Ontario — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making
Term Life Insurance vs Whole Life Insurance: Key Differences
Term Life Insurance vs Whole Life Insurance: Key Differences — a practical Ontario guide to the key considerations, trade-offs and questions to ask before
How Much Life Insurance Coverage Do You Actually Need?
How Much Life Insurance Coverage Do You Actually Need — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making
What Does Life Insurance Cover in Canada?
What Does Life Insurance Cover in Canada — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision wi
When Is the Best Age to Buy Life Insurance?
When Is the Best Age to Buy Life Insurance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision
Is Life Insurance Worth It If You Are Single?
Is Life Insurance Worth It If You Are Single — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisio
Do You Need Life Insurance If You Have No Children?
Do You Need Life Insurance If You Have No Children — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a d
How Long Should a Term Life Insurance Policy Last?
How Long Should a Term Life Insurance Policy Last — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a de
Can You Have More Than One Life Insurance Policy?
Can You Have More Than One Life Insurance Policy — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a dec
What Happens When Your Term Life Insurance Expires?
What Happens When Your Term Life Insurance Expires — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a d
How to Apply for Life Insurance in Ontario
How to Apply for Life Insurance in Ontario — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision
Can You Get Life Insurance Without a Medical Exam?
Can You Get Life Insurance Without a Medical Exam — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a de
What Do Life Insurance Companies Ask About Your Health?
What Do Life Insurance Companies Ask About Your Health — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making
Can You Get Life Insurance With a Pre-Existing Condition?
Can You Get Life Insurance With a Pre-Existing Condition — a practical Ontario guide to the key considerations, trade-offs and questions to ask before maki
Does Smoking Affect Life Insurance Eligibility?
Does Smoking Affect Life Insurance Eligibility — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decis
Can You Get Life Insurance After a Cancer Diagnosis?
Can You Get Life Insurance After a Cancer Diagnosis — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a
How Does Your Occupation Affect Life Insurance Underwriting?
How Does Your Occupation Affect Life Insurance Underwriting — a practical Ontario guide to the key considerations, trade-offs and questions to ask before m
Can You Change Life Insurance Coverage After Buying a Policy?
Can You Change Life Insurance Coverage After Buying a Policy — a practical Ontario guide to the key considerations, trade-offs and questions to ask before
What Is the Life Insurance Contestability Period?
What Is the Life Insurance Contestability Period — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a dec
What Happens If You Miss a Life Insurance Premium?
What Happens If You Miss a Life Insurance Premium — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a de
Do Both Parents Need Life Insurance?
Do Both Parents Need Life Insurance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Ch
Life Insurance for New Parents in Ontario
Life Insurance for New Parents in Ontario — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision w
Should Stay-at-Home Parents Have Life Insurance?
Should Stay-at-Home Parents Have Life Insurance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a deci
Life Insurance for Married Couples: Separate or Joint Policies?
Life Insurance for Married Couples: Separate or Joint Policies — a practical Ontario guide to the key considerations, trade-offs and questions to ask befor
What Happens to Life Insurance After Divorce?
What Happens to Life Insurance After Divorce — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisio
How Does Life Insurance Fit Into a Mortgage Plan?
How Does Life Insurance Fit Into a Mortgage Plan — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a dec
Do You Need Personal Life Insurance If You Have Employer Coverage?
Do You Need Personal Life Insurance If You Have Employer Coverage — a practical Ontario guide to the key considerations, trade-offs and questions to ask be
How to Review Life Insurance After Having a Baby
How to Review Life Insurance After Having a Baby — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a dec
Life Insurance for Blended Families in Ontario
Life Insurance for Blended Families in Ontario — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decis
How to Talk to Your Family About Life Insurance
How to Talk to Your Family About Life Insurance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a deci
How Do Life Insurance Beneficiaries Work in Ontario?
How Do Life Insurance Beneficiaries Work in Ontario — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a
What Happens If a Life Insurance Beneficiary Dies First?
What Happens If a Life Insurance Beneficiary Dies First — a practical Ontario guide to the key considerations, trade-offs and questions to ask before makin
What Is a Contingent Beneficiary?
What Is a Contingent Beneficiary — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Chalo
Is a Life Insurance Payout Taxable in Canada?
Is a Life Insurance Payout Taxable in Canada — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisio
How Do Families Make a Life Insurance Claim?
How Do Families Make a Life Insurance Claim — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision
What Is a Life Insurance Rider?
What Is a Life Insurance Rider — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Chalomi
What Does Convertible Term Life Insurance Mean?
What Does Convertible Term Life Insurance Mean — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decis
What Is Cash Value in Whole Life Insurance?
What Is Cash Value in Whole Life Insurance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision
How Does Universal Life Insurance Work?
How Does Universal Life Insurance Work — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with
What Should You Check Before Signing a Life Insurance Policy?
What Should You Check Before Signing a Life Insurance Policy — a practical Ontario guide to the key considerations, trade-offs and questions to ask before
Life Insurance for Self-Employed Ontarians
Life Insurance for Self-Employed Ontarians — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision
Do Small Business Owners Need Key Person Insurance?
Do Small Business Owners Need Key Person Insurance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a d
How Can Life Insurance Support a Business Buy-Sell Agreement?
How Can Life Insurance Support a Business Buy-Sell Agreement — a practical Ontario guide to the key considerations, trade-offs and questions to ask before
What Happens to Business Debts When an Owner Dies?
What Happens to Business Debts When an Owner Dies — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a de
How Does Corporate-Owned Life Insurance Work in Canada?
How Does Corporate-Owned Life Insurance Work in Canada — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making
Can Life Insurance Help With Estate Liquidity?
Can Life Insurance Help With Estate Liquidity — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisi
What Is Final Expense Life Insurance?
What Is Final Expense Life Insurance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with C
How to Coordinate Life Insurance With a Will
How to Coordinate Life Insurance With a Will — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisio
Should Retirees Keep Their Life Insurance?
Should Retirees Keep Their Life Insurance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision w
When Should You Review or Replace a Life Insurance Policy?
When Should You Review or Replace a Life Insurance Policy — a practical Ontario guide to the key considerations, trade-offs and questions to ask before mak
How to Start Investing in Ontario as a Beginner
How to Start Investing in Ontario as a Beginner — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a deci
Saving vs Investing: When Should You Do Each?
Saving vs Investing: When Should You Do Each — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisio
How Much Money Do You Need to Start Investing?
How Much Money Do You Need to Start Investing — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisi
What Is an Investment Time Horizon?
What Is an Investment Time Horizon — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Cha
How to Determine Your Investment Risk Tolerance
How to Determine Your Investment Risk Tolerance — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a deci
What Is Diversification and Why Does It Matter?
What Is Diversification and Why Does It Matter — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decis
Stocks vs Bonds: What Should Beginners Know?
Stocks vs Bonds: What Should Beginners Know — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision
What Is an ETF and How Does It Work?
What Is an ETF and How Does It Work — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Ch
Index Funds vs Actively Managed Funds
Index Funds vs Actively Managed Funds — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with
What Are Investment Management Fees and Why Do They Matter?
What Are Investment Management Fees and Why Do They Matter — a practical Ontario guide to the key considerations, trade-offs and questions to ask before ma
TFSA vs RRSP: Which Account Should You Use First?
TFSA vs RRSP: Which Account Should You Use First — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a dec
How Does a TFSA Work in Canada?
How Does a TFSA Work in Canada — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Chalomi
How Do You Calculate Your TFSA Contribution Room?
How Do You Calculate Your TFSA Contribution Room — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a dec
What Happens If You Overcontribute to a TFSA?
What Happens If You Overcontribute to a TFSA — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisio
Can You Hold ETFs and Stocks Inside a TFSA?
Can You Hold ETFs and Stocks Inside a TFSA — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision
How Does an RRSP Tax Deduction Work?
How Does an RRSP Tax Deduction Work — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Ch
What Happens When You Withdraw Money From an RRSP?
What Happens When You Withdraw Money From an RRSP — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a de
What Is an FHSA and Who Can Open One?
What Is an FHSA and Who Can Open One — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with C
FHSA vs TFSA for First-Time Home Buyers
FHSA vs TFSA for First-Time Home Buyers — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision wit
How Does an RESP Help Families Save for Education?
How Does an RESP Help Families Save for Education — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a de
What Is Dollar-Cost Averaging?
What Is Dollar-Cost Averaging — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Chalomii
Should You Invest a Lump Sum or Invest Gradually?
Should You Invest a Lump Sum or Invest Gradually — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a dec
How Often Should You Rebalance Your Portfolio?
How Often Should You Rebalance Your Portfolio — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisi
How Does Inflation Affect Long-Term Investments?
How Does Inflation Affect Long-Term Investments — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a deci
What Is the Difference Between Growth and Income Investing?
What Is the Difference Between Growth and Income Investing — a practical Ontario guide to the key considerations, trade-offs and questions to ask before ma
How Do Interest Rates Affect Bonds?
How Do Interest Rates Affect Bonds — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Cha
What Is Market Volatility and How Should Investors Respond?
What Is Market Volatility and How Should Investors Respond — a practical Ontario guide to the key considerations, trade-offs and questions to ask before ma
What Is an Emergency Fund and Why Keep It Outside Investments?
What Is an Emergency Fund and Why Keep It Outside Investments — a practical Ontario guide to the key considerations, trade-offs and questions to ask before
What Are the Risks of Investing Money You Need Soon?
What Are the Risks of Investing Money You Need Soon — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a
How to Read an Investment Fund Facts Document
How to Read an Investment Fund Facts Document — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisi
How Much Should You Save for Retirement in Canada?
How Much Should You Save for Retirement in Canada — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a de
How to Start Retirement Planning in Your 20s
How to Start Retirement Planning in Your 20s — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisio
Investing in Your 30s: Balancing Family and Future Goals
Investing in Your 30s: Balancing Family and Future Goals — a practical Ontario guide to the key considerations, trade-offs and questions to ask before maki
Investing in Your 40s: Reviewing Retirement Progress
Investing in Your 40s: Reviewing Retirement Progress — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a
What Should You Consider When Investing in Your 50s?
What Should You Consider When Investing in Your 50s — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a
What Is the Difference Between CPP and OAS?
What Is the Difference Between CPP and OAS — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision
How Do RRIF Withdrawals Work?
How Do RRIF Withdrawals Work — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Chalomii.
How to Think About Retirement Income Sources
How to Think About Retirement Income Sources — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decisio
What Is Sequence-of-Returns Risk in Retirement?
What Is Sequence-of-Returns Risk in Retirement — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decis
How Often Should You Update Your Financial Plan?
How Often Should You Update Your Financial Plan — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a deci
How Are Capital Gains Taxed in a Non-Registered Account?
How Are Capital Gains Taxed in a Non-Registered Account — a practical Ontario guide to the key considerations, trade-offs and questions to ask before makin
What Is the Difference Between Dividends and Interest Income?
What Is the Difference Between Dividends and Interest Income — a practical Ontario guide to the key considerations, trade-offs and questions to ask before
How Do Investment Losses Work for Tax Purposes?
How Do Investment Losses Work for Tax Purposes — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decis
What Is Asset Allocation?
What Is Asset Allocation — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision with Chalomii.
How Do You Set Realistic Investment Goals?
How Do You Set Realistic Investment Goals — a practical Ontario guide to the key considerations, trade-offs and questions to ask before making a decision w
What Questions Should You Ask a Financial Advisor in Ontario?
What Questions Should You Ask a Financial Advisor in Ontario — a practical Ontario guide to the key considerations, trade-offs and questions to ask before
How Can You Check an Investment Professional's Registration?
How Can You Check an Investment Professional's Registration — a practical Ontario guide to the key considerations, trade-offs and questions to ask before m
What Are Segregated Funds and How Are They Different From Mutual Funds?
What Are Segregated Funds and How Are They Different From Mutual Funds — a practical Ontario guide to the key considerations, trade-offs and questions to a
How Do Life Insurance and Investing Fit Into One Financial Plan?
How Do Life Insurance and Investing Fit Into One Financial Plan — a practical Ontario guide to the key considerations, trade-offs and questions to ask befo
What Documents Should You Prepare for a Financial Planning Meeting?
What Documents Should You Prepare for a Financial Planning Meeting — a practical Ontario guide to the key considerations, trade-offs and questions to ask b
Life insurance glossary
- Beneficiary
- The person or people you name to receive the death benefit.
- Death benefit
- The amount paid to your beneficiaries when you pass away.
- Premium
- The amount you pay — monthly or annually — to keep coverage in force.
- Term
- The length of time a term policy covers you, such as 10, 20, or 30 years.
- Conversion option
- A feature that may let you switch term coverage to permanent coverage later.
- Underwriting
- The insurer's process for reviewing an application before offering coverage.
- Cash value
- A value that some permanent policies build over time.
- Group coverage
- Life insurance provided through an employer or association.
Frequently Asked Questions
Where should I start?
Start by requesting a free coverage review, then read 'Term vs. Permanent' to understand your options.
Does it cost anything to talk to you?
No. A coverage review is free and there's no obligation.
Will you ask about my health on this website?
No. We never ask medical questions through website forms. Any health questions are part of a formal application with an insurer.
Protecting Your Future Starts With Understanding What You Need.
Have a free, no-obligation conversation with a licensed advisor — get your questions answered before you decide anything.