01 · verify
Confirm what already exists
Read employer and personal policy terms, beneficiaries, coverage amounts, expiry, renewal and portability. Do not count an asset or policy twice.
Coverage conversation
Put the planning inputs in one place.
No name, email, age, sex, smoking status, health information, medication, employer, insurer or beneficiary is requested. Amounts never leave this page.
Browser-private · aggregate stages only
$
Use the annual amount dependants would need from this person's contribution—not necessarily gross income.Use a discussion horizon, not a promise about future needs.
$
$
$
$
Check employer coverage, whether it is portable, and the actual beneficiary and terms.$
Do not assume every asset is liquid, available, tax-free or intended for this purpose.Worksheet result
Contribution need
Total needs entered
Offsets entered
This arithmetic does not model inflation, taxes, government or survivor benefits, estate costs, child or spousal support, debt ownership, business obligations, employer-policy portability, underwriting, exclusions, renewals or policy terms. Recheck the need when life changes.
Use the result well
Turn one number into better questions.
The worksheet narrows the discussion. It cannot decide whether term insurance, permanent insurance, a combination or no new policy is appropriate.
02 · compare
Ask for like-for-like quotes
Compare the same coverage amount, term, guarantees, renewal structure, exclusions, riders and service. A premium shown here would be false precision.
03 · license
Check the seller and insurer
Confirm the agent or broker is licensed in your province or territory, answer application questions completely and read the policy before accepting it.
Corrected on August 13, 2026: the previous page's invented premium algorithm, static “2026 rate table,” categorical product recommendations, unrelated KOHO promotion and pre-consent Google analytics were removed. No insurer supplied or authenticated those estimates.
Primary sources
Check the current rules before acting.
Reviewed August 13, 2026. Insurance products, licensing and underwriting can change; the policy and insurer's current decision control.
FCAC: life insuranceCurrent federal consumer information on term and permanent insurance, beneficiaries and policy basics.FCAC: getting an insurance policyLicensed sellers, shopping, underwriting, application accuracy, policy review and cancellation.FSRA: before purchasing life insuranceOntario consumer guidance, including checking that an agent is licensed.