Life Insurance Basics Canada
The fundamentals
Term vs whole life insurance, in plain language
The two broad types of life insurance, how each one actually works, and the trade-offs people usually weigh between them.
Plain-language guides · Canada
Life insurance, explained without the jargon.
Life insurance is really one idea — money for the people who depend on you if you're gone — wrapped in a lot of confusing language. These guides unwrap it, calmly, so you can ask better questions and make steadier decisions.
Start with term vs whole life →The guides
Thinking it through
How much life insurance? Common ways people think about it
The frameworks people commonly use — from DIME to income multiples — clearly labeled as general information, not advice.
Under the hood
What insurers ask on a life insurance application (and why premiums differ)
The questions on the application, what the medical exam involves, and why two people can pay very different amounts for similar coverage.
Fine print, translated
Life insurance riders and add-ons, decoded
Waiver of premium, accidental death benefit, child riders, guaranteed insurability — what each common rider actually does.
Staying current
Life events that should trigger a policy review
Marriage, kids, a new mortgage, retirement on the horizon — the moments when it's worth re-reading the policy you already have.