Guides & Basics
Everything you need to know about guides & basics in Ontario — in plain English.
Bank Mortgage Insurance vs. an Insurance Broker
Bank mortgage insurance review: post-claim underwriting, declining benefit, lender as beneficiary, portability and cost, compared with term life via a broker.
Canada Life vs. Sun Life: Life Insurance Compared
Canada Life vs Sun Life: how the insurers compare on term lengths, participating whole life, no-medical options, living benefits, and which profiles each suits.
Is Canada Protection Plan Good? No-Medical Review
Canada Protection Plan review: how its no-medical life insurance works, who it suits, what it costs versus underwritten coverage, and when to compare both.
Do I Really Need Life Insurance? An Honest Answer
Do I need life insurance? An honest guide to who does (dependants, debts, business partners), who probably doesn't, the edge cases, and a 6-question self-check.
Empire Life vs. iA Life Insurance
Empire Life vs iA compared: term lengths, whole and universal life, no-medical options, critical illness and disability, and who each insurer tends to suit.
Estate Planning Basics for Ontario Families
Estate planning in Ontario explained: wills, powers of attorney, beneficiary designations, probate tax, guardians for kids and where life insurance fits.
A Financial Checklist for New Parents in Ontario
A financial checklist for new parents in Ontario: EI leave, Canada Child Benefit, RESP grants, wills, beneficiaries, insurance and childcare, in order.
How Does Life Insurance Work? A Beginner's Guide for Canadians
How does life insurance work in Canada? A plain-English guide to premiums, death benefits, beneficiaries, term vs. permanent, underwriting and claims.
How to Save Money on Insurance in 2026
How to save money on insurance in 2026: 15 practical ways Ontario families cut life, critical illness, disability, health and travel premiums, not coverage.
How to Read an Insurance Policy
How to read an insurance policy step by step: the schedule page, definitions, exclusions, riders and the free-look period, explained in plain English.
Insurance Broker vs. Buying Direct: What's the Difference?
Insurance broker vs direct: how captive agents, independent brokers and online insurers differ, how brokers get paid, when direct is fine and what to ask first.
Insurance for Retirement: What Changes at 65
Insurance for retirement in Canada: what ends at 65, what starts (Ontario Drug Benefit), and how to decide on life, health, dental and travel coverage.
Insurance in Your 20s: What You Actually Need
Insurance in your 20s, ranked: health and dental after you leave a parent's plan, disability if you earn a paycheque, and when life insurance is worth buying.
Insurance in Your 30s: What You Actually Need
Insurance in your 30s is driven by life events: a mortgage, a baby, marriage, self-employment. What each one changes, what it costs, and what to buy first.
Insurance Terms Glossary: 50 Words You Should Know
Insurance glossary for Canada: 50 plain-English definitions of life, disability, critical illness, health and travel terms so you can read any policy.
Insurance in Your 40s: What You Actually Need
Insurance in your 40s means auditing what you have: an aging term policy, group benefits, rising critical illness risk, and a health class you're about to lose.
Insurance in Your 50s: What You Actually Need
Insurance in your 50s means decisions with deadlines: an expiring term policy, conversion cut-offs, whether to keep coverage in retirement, and estate taxes.
What Is an Insurance Rider? Common Add-Ons Explained
Insurance riders explained: what a rider is, the common life, critical illness and disability add-ons sold in Canada, what they cost and which are worth it.
What Insurance Do You Need When Buying a Home?
Insurance when buying a home in Ontario: what the lender requires, what the bank offers, and how term life and disability coverage protect your mortgage.
What Insurance Do You Need When You Get Married?
Insurance when getting married: update beneficiaries, combine health & dental plans, choose joint or separate life insurance, and cover the honeymoon.
What Insurance Do You Need When Having a Baby?
Insurance when having a baby: the coverage new parents in Ontario need (life, disability, health & dental), what OHIP covers for newborns, and what it costs.
How Life Insurance Fits Into Estate Planning
Life insurance in Ontario estate planning: paying tax at death, equalising inheritances, funding buy-sells, avoiding probate, and term vs permanent by need.
Manulife vs. Canada Life Life Insurance
Manulife vs Canada Life compared: term lengths, the Vitality program, participating whole life, no-medical options, living benefits, and who each insurer suits.
PolicyMe vs. Using a Local Insurance Broker
PolicyMe vs broker: how the online direct insurer compares with a local independent broker on price, underwriting, product range, conversion and claims support.
Probate in Ontario and How Insurance Avoids It
Probate in Ontario explained: what it is, the roughly 1.5% Estate Administration Tax, how long it takes, and how life insurance with a beneficiary avoids it.
RBC Insurance vs. an Independent Broker
RBC Insurance review: what RBC offers in term, permanent, disability and critical illness, how buying direct compares with a broker, and which route suits you.
Ready to protect what matters most?
Get a free, no-obligation quote in minutes — or talk to a licensed Ontario advisor today.