Case Studies
Everything you need to know about case studies in Ontario — in plain English.
A Small Business Uses Insurance for a Buy-Sell Agreement
Case study: two Nepean contracting partners fund an $800K buy-sell agreement with corporate-owned term life. Ownership options, tax notes and indicative cost.
How a Cancer Diagnosis Tested a Critical Illness Policy
Illustrative case study: a Stittsville woman bought $100K of critical illness insurance at 40 and claimed at 46 after a cancer diagnosis. How the claim worked.
A Couple Layers Term + Whole Life the Smart Way
Illustrative case study: an Alta Vista couple in their early 40s layer term life for the mortgage years with a small whole life base for permanent needs, with indicative costs.
A Diabetic Applicant Finds Affordable Coverage
Illustrative case study: a 52-year-old with well-controlled type 2 diabetes was turned down online, then found $500K of term life through a broker at a rated premium.
A Family Compares Bank Mortgage Insurance vs. Term Life
Illustrative case study: an Orleans couple with a $620K mortgage compares the bank's mortgage insurance with personal term life, with indicative monthly costs.
Case Study: Retirees Replace Their Group Benefits
Illustrative case study: a Kanata couple, 64 and 62, lose group health and dental at retirement. The 60-day conversion window, options and indicative cost.
Case Study: A Freelancer Builds a Full Coverage Stack
Illustrative case study: a freelance designer in Hintonburg with no group benefits builds disability, life, and health and dental coverage in priority order.
A Snowbird Couple Plans a 5-Month Florida Winter
Case study: an Orléans couple, 68 and 71, with stable health conditions insures a 151-day Florida winter. Options, stability rules and indicative cost.
A Self-Employed Contractor Insures His Income
Illustrative case study: a self-employed Ottawa electrician with no group benefits compares WSIB, EI and individual disability insurance, with indicative cost.
Case Study: A Single Parent Builds an Affordable Safety Net
Illustrative case study: a single mother in Orléans with two kids and a $120/month budget. How we ranked life and disability insurance, and the indicative cost.
Case Study: Protecting a New Family with a $500K Mortgage
Illustrative case study: a young Barrhaven family with a $500K mortgage, the life insurance needs analysis, bank mortgage insurance vs term and indicative cost.
Case Study: A Young Professional Locks In Low Rates at 28
Illustrative case study: a 28-year-old Ottawa engineer with no kids asks whether life insurance can wait. Cost of waiting, 20 vs 30-year term, indicative cost.
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