Protect today
If people depend on your income, life insurance is what keeps their plans intact when you are no longer there to fund them. The hard part is not buying it — it is working out how much, for how long, and which kind.
Before any product comes up, we build the number: the income your household would lose, the debts that would remain, the years your family would need support, and what any existing coverage already handles. The policy is whatever answers that number for the right length of time.
For parents, new homeowners, and anyone whose income supports another person.
Income replacement, mortgage and debt payoff, childcare and education, final costs — minus what you already hold. A number you can defend, not one we picked.
Coverage that runs until the mortgage is clear and the youngest is independent usually beats coverage that runs forever at a price you drop in year six.
Term, permanent, or a layer of each. We show you what each does at ten years and at forty, and what it costs to keep.
Group life through work, a bank mortgage insurance add-on, an old policy from a first job. We read what it actually covers before you buy anything new.
Your options
Almost every life insurance decision comes down to one of these three shapes. Which one fits depends on how long the need lasts and what else the money has to do.
A need with an end date
Coverage for a fixed number of years at a fixed premium. The most coverage per dollar, and the right answer for most young families.
A need that never ends
Coverage for life, with a cash value that builds inside the policy. Costs considerably more per dollar of coverage, and is bought for estate and tax reasons more than income replacement.
Most households, honestly
A large term policy covering the mortgage-and-kids years, sitting on top of a smaller permanent policy for the costs that never go away.
Side by side
The distinction that decides most of the cost, explained without the brochure language.
Scroll the table sideways →
| Term life | Permanent life | |
|---|---|---|
| How long it lasts | A set number of years | Your whole life |
| Relative cost per $100k | Lowest | Substantially higher |
| Builds cash value | No | Yes, over time |
| Premium after the term | Renews at a much higher rate | Stays as contracted |
| Typically bought for | Income replacement, mortgage, children | Estate costs, final expenses, legacy |
| Can be converted | Usually, without a new medical | Not applicable |
Step by step
01
Income, debts, dependants, and what you already hold. Fifteen minutes.
02
We shop the market and come back with real numbers from multiple insurers, side by side.
03
Health and lifestyle questions, sometimes a paramedical visit at your home or office.
04
The insurer confirms the rate. If it came back different from the quote, we tell you why before you accept.
05
Policy issued, beneficiaries confirmed in writing, and a copy of everything filed where your family can find it.
Is this for you
We would rather tell you this is not your priority right now than sell you something you do not need. If the right-hand column describes you, say so on the call.
Worth a conversation if
Worth pausing if
Life insurance — questions
These are the ones that come up most on this topic. Yours is welcome even if it is not here.
It comes from your own numbers: the income your household would lose, the debts that would remain, how many years your dependants would need support, and what your existing coverage already handles. We build that figure with you rather than quoting a rule of thumb.
Protect today
A tax-free lump sum on diagnosis, to spend however recovery actually requires.
Protect today
Replace a portion of your paycheque, monthly, if you cannot work.
Protect today
Own the coverage that clears your mortgage — instead of renting it from the lender.
Everything on this page describes how these products generally work in Canada. Figures, terms, definitions and availability vary by insurer and by policy, and nothing here is a quote, a rate, or a guarantee of coverage or approval. Any strategy should be reviewed against your own situation with a licensed representative before you act on it.
Free protection review
Fifteen minutes on your situation and the options that actually apply. No cost, no obligation, and nothing is recommended on the first call.
Prefer email? hello@valentrawealth.com
Or call (647) 989-9676