1 in 3 Canadians is underinsured — most don't even know which products they're missing. This hub diagnoses your gaps, ranks the 9 insurance types, and tells you what each one actually does (and doesn't) cover.
Income replacement for dependants
From $18/mo→⚔️Term vs Whole LifeThe forever debate · 30-yr cost chart
→🚗Auto InsurancePublic vs private by province
From $110/mo→🏠Home InsuranceReplacement cost calculator
From $95/mo→🏘Tenant Insurance$15-30/mo · landlord required
From $22/mo→✈️Travel InsuranceProvincial health gap chart
From $8/mo→🏦Mortgage Life Ins.vs Term Life · declining benefit
From $38/mo→❤️Critical IllnessLump sum on diagnosis
From $28/mo→🦮DisabilityIncome protection · own-occ rules
From $65/mo→Group life is usually 1-2× salary. Most families need 7-10×. Plus, group dies when your job dies. Get personal coverage on top.
It's not. Bank mortgage life has DECLINING benefit (matches your shrinking balance) but FIXED premium. Term life pays the full amount and is portable. Math here →
OHIP/MSP/RAMQ cover ~10% of out-of-country medical costs. A single ER visit in the US can hit $30,000+. Travel insurance is non-negotiable.