Self-employed and stay-at-home parents have zero employer benefits. Your employment type changes what you need.

High-risk occupations affect eligibility and premiums. Some jobs require specialized coverage.

Higher income = bigger financial impact on your family if it suddenly disappears.

A mortgage is one of the biggest debts your family would inherit. Coverage can pay it off instantly.

Your debts don't disappear when you die. Without coverage, they become your family's problem.

This determines how much income replacement your family would need to maintain their lifestyle.

Without savings to fall back on, any disruption to income becomes a crisis immediately.

Work coverage disappears when you leave your job. Personal coverage stays with you no matter what.

1 in 3 Canadians will face a critical illness. This pays a tax-free lump sum when you're diagnosed.

If you can't work due to illness or injury, disability insurance replaces part of your income.

Prescriptions, dental, vision, massage, physiotherapy. These costs add up fast without coverage.

Without a will, the courts decide what happens to your assets, your money, and your children.

Outdated beneficiaries can mean the wrong person gets your money. This is one of the most common oversights.

Business owners need key person insurance, buy-sell agreements, and coverage their employees don't provide.

Life changes. Marriage, kids, new home, raise, divorce. Your coverage should keep up with your life.