Who pays the mortgage, the groceries, and the hockey fees if you're not here?
It's the question most parents avoid — and the one a Family Protection Review answers in about 20 minutes. Spend three minutes here first and you'll know exactly what to ask.
Worth knowing: Raising a child in Canada is a six-figure commitment over 18 years. Protection planning is simply making sure that commitment survives whatever happens to you.
Does this sound like you?
Tap everything that applies — it shapes what your review focuses on.
See your protection picture in 30 seconds
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Estimated protection gap
$825,000 – $1,125,000
Adjust the sliders to reflect your situation.
Educational estimate only, using a simplified needs-analysis method (income replacement, debts, and dependents). This is not advice, a quote, or an approval — your actual needs depend on your full situation, which is what a licensed advisor reviews with you.
Three myths worth clearing up
Tap a card to see the reality.
How the review works
Today
Book a 20-minute call
A time that works around naps, school runs, and work.
The call
We look at your family's real numbers
Who depends on whom, what it costs to run your home, and what's already in place.
After
You get a plain-language picture
What's protected, what's exposed, and what options may help — no jargon.
Your call
You decide, together
No pressure, no countdown timers. Take it home and talk it over.
Why timing matters more than timing the market
Protection pricing is based largely on age and health — so the same coverage generally costs more the longer you wait.
Illustrative index of a typical industry pattern — not a quote or a rate. Actual pricing depends on your personal health, coverage design, and carrier, which a licensed advisor reviews with you.
Based on your family's situation, your free review will cover:
- Income replacement through your children's dependent years
- What happens to the household if the primary income stops
- Covering each partner — including the one who's underinsured
- The real replacement cost of a stay-at-home parent
Tell us a little about your situation in the form and the call starts where you are — not from zero.
Your review is with a licensed Canadian advisor, not a call centre.
Your information is handled under CASL and PIPEDA. A licensed Canadian advisor will follow up — no obligation, no pressure.
The questions people actually have
Will I be pressured to buy something?
No. This is a review and a conversation. Most people leave the call with clarity about where they stand — what happens next is entirely your decision.
Do I need a medical exam to get information?
No. The review itself involves no exams and no applications — it's a conversation about your situation and what options may exist.
What happens to my information?
It's stored in Canada, protected under PIPEDA, and used only so a licensed advisor can follow up with you. It is never sold. You can unsubscribe at any time.
Is this really free?
Yes. The review and the conversation are complimentary, with no obligation.
Book My Free Review
Takes under a minute. No obligation.