All Life Insurance Articles | Canada Policy Experts

Life insurance basics

How life insurance works in Canada, who it is for, how much to consider, and what drives the price.

Coverage for a set number of years. What happens at the end of the term, and the choices you get along the way.

Whole life, universal life and Term to 100. How cash value works, and when permanent coverage earns its cost.

Coverage that skips the medical exam, what you give up in exchange, and when it is the right tool.

What happens between sending an application and getting an answer, and what insurers look at along the way.

A health condition changes how an application is assessed. It does not automatically end it. What matters, condition by condition.

What tends to matter at different points in life, from a first policy in your twenties to coverage after 70.

Beneficiaries, tax, missed payments, replacing a policy, and how a claim actually gets paid.