A LIMRA study shows that only 57 % of Canadians hold a life insurance policy — and many of those who think they are protected by their employer or their mortgage are, in reality, far less protected than they believe. Eight questions are enough to know where you stand.
Source : Life Happens study, LIMRA, reported by Conseiller.ca (August 2025). 57 % of Canadians hold a policy — which means 43 % have none.
That is not my opinion — it is one of the four traps best documented by the industry to explain why so many families end up under-protected without knowing it. Here are two, by way of example.
Group coverage often amounts to one or two years of salary. Generous on the face of it — but rarely enough to replace an income over 10, 15 or 20 years, and it disappears the day the job ends.
Individual coverage belongs to you, whatever the employer. A short assessment shows the real gap between what you have and what your family would need — without assuming, without guessing.
The first five identify your main risk areas in insurance of persons — life, disability, critical illness. The last three help prepare an answer that matches your situation. This test does not replace a complete needs analysis.
This question and the next two do not change your result. They help prepare an answer that matches your situation.
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This test is a self-assessment tool with an educational purpose and does not constitute a personalized financial needs analysis or a product recommendation. The result shown is indicative — a complete analysis is required before any recommendation. The statistic cited (43 % of Canadians without life insurance) comes from the LIMRA Life Happens study (2024), reported by Conseiller.ca (August 2025). The services described here fall under the title of financial security advisor.
The test situates your blind spots. The comparison tool prices what it would cost to close them.
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Whole life insurance protects your family for life and builds a guaranteed cash surrender value. Participating policies may also pay annual dividends, which are not guaranteed.
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Individual mortgage insurance belongs to you: the benefit is paid to your beneficiaries, who decide how to use it, and the coverage follows you if you change lenders. Compare it with the bank's offer before you sign.
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