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.
Leave your contact information: I will get back to you to discuss your result and, if relevant, a complete needs analysis — with no obligation.
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Jean Carrière is an independent representative registered with the Autorité des marchés financiers (AMF) under certificate number 259457. He holds three titles: financial security advisor, group insurance and annuity advisor, and scholarship plan representative — verify in the AMF register — and a member of the Chambre de l'assurance (created by the merger of the Chambre de la sécurité financière and the Chambre de l'assurance de dommages). Groupe Cloutier acts as managing general agent.
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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Group insurance (life, disability, health and dental) and group retirement savings (group RRSP, VRSP, DPSP). A well-designed plan helps attract and keep employees, and employer contributions are generally deductible.
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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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Universal life separates the cost of coverage from the savings component, which grows tax-sheltered within permitted limits. You adjust deposits to your budget and choose your investment options.
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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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Choose your situation: I'll show you what matters, straight to the point.
Your group insurance may not be enough. Let's see what's missing.
Get a quoteGroup insurance, VRSP or group RRSP for your team.
Group quoteNo employer protects you: your income, retirement and family rest on you.
Protect my incomeI compare life, disability and critical illness insurance from several insurers based on your results.