Guide
Insurance 101: The Complete Guide for Canadian Families
Everything you need to know about choosing the right insurance to protect your family and finances.
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Get answers to common questions about life insurance and our services.
We use advanced technology to compare policies from over 20 top Canadian insurance providers in real-time. Just answer a few quick questions about yourself and your needs, and we'll show you side-by-side comparisons of the best options personalized for your situation.
Unlike traditional brokers, our digital platform lets you browse at your own pace, with transparent information about coverage details and pricing. When you're ready to move forward, our licensed advisors are available to answer questions and guide you through the application process.
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Term life insurance covers you for a specific period (e.g., 10, 20, or 30 years) and is usually more affordable. Whole life insurance provides lifetime coverage and builds cash value over time. Term is ideal for temporary needs like mortgage protection, while whole life is suited for estate planning and long-term wealth transfer.
Many experts suggest 10–15 times your annual income, but your personal situation matters most. Consider factors like:
Our online calculator can help you estimate a coverage amount, or you can speak to a licensed advisor for personalized guidance.
Yes! Many insurers offer no-medical or simplified issue life insurance. These plans often require just a few health questions without a physical exam. They're ideal for quicker approvals or for those who prefer a hassle-free application, although they typically come with slightly higher premiums than fully underwritten policies.
Approval timelines vary:
At PolicyScanner, we'll keep you updated every step of the way and work to minimize any delays.
