Protect What Matters Most
Insurance is not just about buying a policy. It is about protecting income, family, debt, business interests, estate goals, and long-term financial security.
Explore Insurance Foundations → Start My Free Quote →Why Insurance Planning Matters
The right insurance strategy helps reduce financial uncertainty when life, health, income, family, or business circumstances change unexpectedly.
Income Protection
Protect your ability to earn an income if illness, injury, or disability affects your work.
Family Protection
Help ensure loved ones can maintain stability if a major health event or premature death occurs.
Debt Protection
Coordinate insurance with mortgages, loans, business debts, and other financial obligations.
Estate Protection
Use insurance to support estate liquidity, final expenses, taxes, beneficiaries, and legacy goals.
Business Protection
Protect business continuity, key people, partners, shareholders, and corporate planning objectives.
Not Sure What You Need?
Start with a simple review of your income, debt, dependents, health risks, estate goals, and existing coverage.
Start Insurance Review →Life Insurance Designed Around Real-Life Needs
Life insurance can help protect family income, pay debts, cover final expenses, support estate planning, and create liquidity when it is needed most.
Term Life Insurance
Often used for temporary needs such as mortgages, children, income replacement, and debt protection.
Permanent Insurance
Designed for lifelong needs such as estate planning, final expenses, legacy goals, and long-term protection.
Whole Life Insurance
Provides permanent coverage with potential cash value growth and long-term planning uses.
Universal Life
Combines permanent insurance protection with flexible premium and investment-related features.
Estate Planning
Life insurance may help provide estate liquidity, support beneficiaries, cover taxes, and fund legacy goals.
Corporate-Owned Life Insurance
For incorporated professionals and business owners, life insurance may support tax-efficient estate, succession, and corporate planning goals.
Explore Life Insurance →Not Sure Which Insurance Solution Fits You Best?
This Start Here Hub is designed to guide you through life insurance, final expense coverage, seniors planning, family protection, business benefits, and long-term planning options. If you’re unsure where to begin, we can help you narrow it down.
Explore Your Insurance Options
Find a starting point for family protection, explore no-medical-exam options, or estimate how much coverage you may need.
Explore at your own pace • No obligation • Coverage estimates are educational
Does Your Life Insurance Still Fit Your Needs?
Watch the policy-review video and use the free checklist to prepare your questions before renewing, changing or cancelling coverage.
Prepare for Your Policy Review
Review coverage needs, beneficiaries, ownership, premiums and important renewal or conversion dates. Bring your policy and current statement to the discussion.
Open the Free Policy Review Checklist (PDF) ↗ Book a Policy Review Conversation →Free checklist. No signup required. Confirm replacement coverage is approved and in force before cancelling an existing policy.
Watch & review • Life insurance decisions
Before You Cancel a Life Insurance Policy: Check These 7 Things
If your needs have changed or premiums are becoming difficult to manage, start with a review of the policy you own. Watch our video, then use this checklist to prepare for a conversation about keeping, changing, replacing, or cancelling your coverage.
Watch the life insurance cancellation video on YouTube
Your Policy Review Checklist
Tick items as you prepare. Selections are temporary and are not submitted or saved.
If You Are Replacing Coverage
Keep the existing policy until the replacement has been issued, reviewed, and confirmed in force, with all required conditions met. Confirm the timing with the insurer and your advisor before giving cancellation instructions.
Bring These to Your Review
Your policy contract, latest statement, premium or renewal notice, current illustration if available, beneficiary records, any replacement proposal, and a list of household obligations.
Questions to Ask
Educational information, reviewed October 4, 2026. Your policy terms, circumstances, and applicable provincial rules determine the available options. Confirm policy values and tax consequences with the insurer and your tax professional.
Further reading: FCAC: Life insurance · FSRA: Reading your policy · AMF: Cancellation and replacement considerations
Continue Your Planning
Considering a change to your life insurance? Use these resources to prepare for a policy review.
Prepare
Save or print the Before Cancelling Life Insurance Checklist for your review.
Open Checklist PDFNext Step
Discuss your existing policy, questions, and next steps in a short conversation.
Book a Clarity CallContinue learning: Explore more videos and checklists.
Watch & prepare • Support after a loss
Life Insurance Claim: What Should the Family Do First?
After a death, even routine paperwork can feel overwhelming. This video and checklist can help you organize the first steps, identify the right contacts, and prepare the documents the insurer requests. A trusted family member or professional can help you keep track.
Watch the life insurance claim video on YouTube
Your First Steps Checklist
Tick items as you prepare. Selections are temporary and are not submitted or saved.
Questions for the Claims Team
Requirements and review times vary. The insurer confirms coverage, entitlement, and payment after assessing the claim; this checklist does not promise approval or a payment date.
Cannot Find a Policy?
Start with personal records, bank transactions, advisors, employers, and known insurers. If coverage remains difficult to trace, OLHI offers a policy-search service through participating insurers, subject to eligibility conditions.
Explore OLHI’s policy-search service
If a Claim Is Delayed or Denied
Ask the insurer for an explanation and its complaint process. OLHI may assist with eligible life and health insurance complaints. Its formal review requires the insurer’s final position letter and other eligibility conditions.
Support for the Next Decisions
Once the immediate claim steps are underway, review household cash flow, registered accounts, and your own beneficiary records with the appropriate professionals.
Educational information, reviewed October 4, 2026. Follow the insurer’s requirements and obtain legal or tax guidance where needed. GMFSI can help organize your questions; the insurer assesses and pays the claim.
Further reading: FCAC: Making an insurance claim.
Continue Your Planning
Preparing to make a life insurance claim? Keep these resources handy as you organize your first steps.
Next Step
Discuss your questions and clarify your next steps in a short conversation.
Book a Clarity CallContinue learning: Explore more videos and checklists.
Watch & prepare • Travel insurance
Travel Insurance—Before You Go
Planning a trip? Visit our Travel Insurance page to watch the video, explore the travel checklist, and prepare questions about your coverage before departure.
Prepare for Your Coverage Review
Bring your travel dates, destinations, existing coverage details, and questions about medical information, policy conditions, and emergency assistance.
Explore the GMFSI Learning Centre
Access educational videos, practical planning resources, retirement guidance and specialized financial centres—all organized in one convenient place.
Complete the Enhanced Financial Intake
Already have a clear idea of your financial goals? Our Enhanced Financial Intake provides a more comprehensive snapshot of your income, savings, investments, insurance, liabilities, workplace benefits and long-term priorities—allowing us to prepare more meaningful recommendations before we meet.
Insurance Needs Analysis V2.0
Estimate a potential life insurance need using income replacement, debts, family responsibilities, education, final expenses, existing coverage, and accessible financial resources.
Your Protection Inputs
Use approximate values if exact figures are unavailable. Blank financial fields are treated as zero.
Protect Your Most Valuable Asset — Your Ability to Earn an Income
Many families insure their homes, vehicles, and possessions, yet their largest financial asset is often their future earning potential. Disability insurance can help replace income if illness or injury prevents you from working.
Income Replacement
Disability insurance may provide monthly income to help cover living expenses while recovering from illness or injury.
Lifestyle Protection
Help maintain mortgage payments, household expenses, savings goals, and family financial stability.
Self-Employed Professionals
Business owners and professionals often rely heavily on their ability to generate income and may have limited employer benefits.
Business Owners
Disability coverage may help protect both personal income and business obligations during a prolonged absence.
Professionals
Physicians, dentists, accountants, lawyers, and other professionals often have specialized disability planning needs.
Need a Disability Review?
Review existing group benefits, individual disability coverage, waiting periods, benefit periods, and potential gaps.
Review My Disability Coverage →Financial Breathing Room During a Serious Illness
Critical illness insurance may provide a lump-sum benefit if you are diagnosed with a covered serious condition, helping you focus on recovery instead of financial pressure.
Heart Attack
A serious cardiac event can create time away from work, treatment expenses, and lifestyle adjustments.
Stroke
Recovery may require rehabilitation, family support, modified work schedules, or home adjustments.
Cancer
Treatment, recovery, time away from work, travel, and family support can create significant financial stress.
Recovery Costs
A lump-sum benefit may help cover treatment-related costs, travel, household help, or income disruption.
Business Owners
Critical illness coverage may help protect business continuity and personal cash flow during recovery.
Need a Critical Illness Review?
Review how critical illness coverage may fit with disability insurance, emergency savings, group benefits, and family protection.
Review Critical Illness Coverage →Protect Against Everyday Healthcare Costs
Health and dental plans can help reduce out-of-pocket expenses for prescription drugs, dental treatment, vision care, paramedical services, travel emergencies, and more.
Individual Coverage
Health and dental plans designed for individuals who do not have employer-sponsored benefits.
Family Coverage
Help manage healthcare expenses for spouses, children, and dependents.
Prescription Drug Coverage
Protection against potentially significant medication costs today and in retirement.
Dental Coverage
Coverage may help reduce routine and major dental treatment expenses.
Travel Medical Insurance
Emergency medical coverage while travelling outside your province or country.
Need a Health Plan Review?
Review your current coverage, retirement health needs, drug expenses, travel plans, and available options.
Explore Health & Dental Options →Explore your coverage options
No Workplace Benefits?
Compare health and dental insurance options in Ontario. Learn what to check for prescriptions, dental care, coverage limits, and guaranteed acceptance before choosing a plan.
Read the Health & Dental Guide →Do You Have Enough Protection?
A simple coverage gap review can help identify whether your income, debts, family needs, and existing insurance are properly aligned.
Quick Coverage Check
Estimated Results
Educational estimate only. Actual insurance needs depend on your full financial situation, underwriting, goals, budget, and existing coverage.
Protect Your Business, Partners, and Future Plans
Business insurance planning extends beyond personal protection. It can help protect shareholders, key employees, business continuity, corporate assets, and estate objectives.
Buy-Sell Funding
Life insurance may help fund shareholder agreements and provide liquidity during ownership transitions.
Key Person Protection
Protect the business against financial loss resulting from the illness, disability, or death of a key individual.
Corporate-Owned Life Insurance
May provide tax-efficient estate planning opportunities while protecting corporate value.
Executive Benefits
Enhance compensation strategies and support employee retention through customized planning.
Business Succession Planning
Help facilitate ownership transfer and continuity planning for future generations or buyers.
Business Protection Review
Review shareholder agreements, key person exposure, succession planning, and corporate insurance strategies.
Review My Business Strategy →Protect Your Business, Partners, and Future Plans
Business insurance planning extends beyond personal protection. It can help protect shareholders, key employees, business continuity, corporate assets, and estate objectives.
Buy-Sell Funding
Life insurance may help fund shareholder agreements and provide liquidity during ownership transitions.
Key Person Protection
Protect the business against financial loss resulting from the illness, disability, or death of a key individual.
Corporate-Owned Life Insurance
May provide tax-efficient estate planning opportunities while protecting corporate value.
Executive Benefits
Enhance compensation strategies and support employee retention through customized planning.
Business Succession Planning
Help facilitate ownership transfer and continuity planning for future generations or buyers.
Business Protection Review
Review shareholder agreements, key person exposure, succession planning, and corporate insurance strategies.
Review My Business Strategy →Prepare for your next step with free planning checklists to save or print. No sign-up required.
Browse Free Checklists →Common Insurance Planning Questions
Open a question for a short answer, then explore the related guide, video, or checklist.
Should I cancel or replace my life insurance?
Review what the policy protects, its costs, and the options available before making a change. Ask about replacement approval, exclusions, and when any new coverage takes effect.
How much life insurance should I review?
Start with family income needs, debts, dependants, final expenses, and estate priorities. Compare those needs with existing coverage and resources your family could access. An estimate is a starting point for a personal review.
What should a family do first when making a life insurance claim?
Contact the insurer or servicing advisor for the claim requirements. Gather policy information, confirm the required documents, and keep a record of what you submit and whom you speak with.
Does employer disability coverage mean I have enough protection?
Review the benefit amount, waiting period, payment duration, and definition of disability in your plan. Compare the coverage with your household needs, and ask about any gaps or limitations.
What should I check before buying travel insurance?
Bring your travel dates, destinations, existing coverage, and medical information to the review. Ask about exclusions, policy conditions, emergency assistance, and the information the insurer requires.
When should I review my insurance?
Review it regularly and after a change in family responsibilities, debts, employment, business needs, or retirement plans. Bring your policies, recent statements, and a list of your questions.
General Canadian financial education. Coverage, eligibility, exclusions, and claim requirements depend on the policy and insurer. Personal recommendations require a review of your circumstances.
Protect What Matters Most
Explore our specialized insurance solutions designed to help protect your family, income, health, business, and financial future.
Life Insurance
Protect your family's financial future with term, permanent, universal, and participating life insurance solutions.
Explore →Disability Insurance
Help protect your income if illness or injury prevents you from working.
Explore →Critical Illness
Receive a tax-free lump sum to help manage the financial impact of a covered critical illness.
Explore →Health & Dental
Individual health, prescription drug, dental, vision, and paramedical coverage.
Explore →Travel Insurance
Emergency medical, trip cancellation, visitors to Canada, and snowbird travel protection.
Explore →Business Insurance
Key person, buy-sell funding, business overhead expense, and succession planning solutions.
Explore →Travel With Confidence — Protect Yourself Before You Go
Whether you're travelling outside Canada, visiting family, taking a vacation, or planning an extended stay, the right travel insurance can help protect you from unexpected medical costs, trip interruptions, and travel emergencies.
Medical Emergencies Abroad Can Be Expensive
Provincial health plans may cover only a limited portion of medical expenses outside Canada. A hospital visit, emergency surgery, ambulance, or medical evacuation can create significant out-of-pocket costs.
Emergency Medical Coverage
Helps cover eligible emergency medical expenses while travelling outside your province or outside Canada.
Trip Cancellation & Interruption
May help reimburse prepaid travel costs if an eligible unexpected event forces you to cancel or interrupt your trip.
Lost or Delayed Baggage
Coverage may help with eligible expenses if your baggage is lost, stolen, damaged, or delayed during travel.
Emergency Assistance
Access to emergency travel assistance services can help coordinate care, hospitals, transportation, and support.
Travel Protection for Different Needs
Travel insurance is not only for long international vacations. It can be important for short trips, family visits, business travel, snowbird travel, and visitors coming to Canada.
Families & Vacation Travellers
Coverage for unexpected illness, accidents, cancellations, delays, and travel interruptions.
Snowbirds & Extended Travellers
Longer trips may require careful review of trip length, stability periods, age, and medical conditions.
Visitors to Canada
Visitors, parents, grandparents, students, and temporary residents may need emergency medical coverage while in Canada.
Business Travellers
Frequent business travellers may benefit from annual multi-trip coverage rather than buying coverage one trip at a time.
Common Types of Travel Coverage
Single Trip Coverage
Designed for one specific trip with set departure and return dates.
Annual Multi-Trip Coverage
Useful for people who travel multiple times per year and want convenience.
Visitors to Canada Insurance
Emergency medical coverage for visitors, super visa applicants, students, and temporary residents.
Trip Cancellation Coverage
Helps protect prepaid, non-refundable travel costs from eligible unexpected events.
Before You Travel, Review the Details
Travel insurance should be reviewed carefully, especially if there are pre-existing medical conditions, recent medication changes, longer travel periods, older travellers, or high-value prepaid trips.
Planning a Trip? Let’s Review Your Coverage Options
We can help you understand available travel insurance options, compare coverage needs, and identify important details before you leave.
What Could Your Savings Provide in Retirement?
Explore how your current savings, ongoing contributions, investment return and retirement timeline may shape your future portfolio and potential retirement income.
- ✓ Project your future savings
- ✓ Estimate retirement income
- ✓ Compare inflation-adjusted values
Gain confidence before making
your next financial decision.
Whether you’re planning for retirement, investing for the future, protecting your family, or simply looking for greater financial clarity, every successful plan begins with one conversation.
Choose how you’d like to get started:
Partners & Carriers We Work With
Independent access to multiple leading insurers across Canada.
Visit Assumption Life
Visit Foresters Financial
Visit Humania Assurance
Visit Canada Protection Plan
Visit Industrial Alliance
Visit Sun Life Financial
Visit Desjardins Financial Security
Visit Canada Life
Visit Empire Life
Visit RBC Insurance
Visit Equitable Life of Canada
Visit Manulife Financial
Visit Beneva Insurance
Visit Green Shield Canada
Visit Assumption Life
Visit Foresters Financial
Visit Humania Assurance
Visit Canada Protection Plan
Visit Industrial Alliance
Visit Sun Life Financial
Visit Desjardins Financial Security
Visit Canada Life
Visit Empire Life
Visit RBC Insurance
Visit Equitable Life of Canada
Visit Manulife Financial
Visit Beneva Insurance
Visit Green Shield Canada