Insurance
How to Review Your Group Benefits During Open Enrollment in Canada
Learn what to examine in your employer's life, disability, and health coverage during open enrollment to make informed decisions for the year ahead.
Ryan McAllister
Author
Writes about Canadian life and disability insurance: group benefits, individual term plans, and critical-illness riders, with a focus on comparing costs across provinces.
- insurance
- life-insurance
- disability-insurance
- group-benefits
Published articles
Insurance
What to Compare Before Signing Your Home Insurance Renewal in Canada
Autumn renewal season is here. Before you sign, compare coverage limits, deductibles, premiums, exclusions, and discounts to make sure your policy still fits your needs and budget.
Insurance
How to Lower Your Car Insurance Premium in Canada
Understanding the factors that drive your car insurance costs is the first step to reducing your premium and keeping more money in your pocket.
Insurance
What Tenants Need to Know About Renters Insurance in Canada
Tenant insurance protects your belongings and liability as a renter. Learn what's covered, how much you need, and how to get the right policy in Canada.
Insurance
When Cancelling Your Insurance Policy Mid-Term Pays in Canada
Learn how mid-term cancellation fees work across Canadian provinces and how to calculate whether switching insurers will save you money despite the penalties.
Insurance
How to Name a Beneficiary Versus Your Estate on Life Insurance in Canada
Learn when to name a person as beneficiary versus your estate on Canadian life insurance, and understand the probate, tax, and timing implications of each choice.
Insurance
How a Claim Moves Your Premium at Renewal in Canada - Checklist
A practical checklist to understand how filing an insurance claim affects your premium when your policy renews, including fault rules, accident forgiveness, and provincial differences.
Insurance
How to Choose Between Term Life and Permanent Life Insurance in Canada
Learn the key differences between term and permanent life insurance to choose the right coverage for your family's financial protection in Canada.
Insurance
Landlord Insurance Calculator for Canada: Property Damage, Liability, and Loss of Rent Explained
Calculate the landlord insurance coverage you need for your rental property in Canada with our interactive tool that factors in property damage, liability, and loss of rent protection.
Insurance
How to Calculate Landlord Insurance Coverage in Canada
Learn how to determine the right amount of dwelling, liability, and loss-of-rental-income coverage for your rental property in Canada.
Insurance
How Pet Insurance Premiums Are Calculated in Canada
Understand what drives pet insurance costs in Canada and use our calculator to estimate your premium based on your pet's age, breed, location, and coverage choices.
Insurance
How to Calculate Income Replacement Insurance Benefits in Canada
Learn how to calculate the monthly disability insurance benefit you need to protect your salary and maintain your standard of living if illness or injury prevents you from working.
Insurance
How to Calculate Critical Illness Insurance Coverage in Canada
Learn how to determine the right amount of critical illness insurance coverage for your situation using key financial factors and family needs.
Insurance
Term Life vs. Permanent Life Insurance in Canada: Which Is Right for Your Family
Compare term and permanent life insurance to find the best coverage for your family's needs and budget in Canada.
Insurance
How Wildfires Affect the Insurance Industry in Canada
Wildfires are increasing property claim costs, changing underwriting, and putting pressure on home insurance availability in parts of Canada. Here is what that means for insurers and households.
Insurance
Flood Insurance in Canada: What Homeowners Should Know Before Storm Season
Canada does not have a U.S.-style federal flood insurance policy for homeowners. Most Canadians need to confirm whether overland water, sewer backup, and related flood damage are covered by their own home insurance policy.
Insurance
Do Weather Predictions Lower Home Insurance Premiums in Canada?
While weather forecasts and disaster predictions inform long-term risk modeling, they do not directly reduce home insurance premiums in Canada; rates are primarily set using historical claims data and actuarial analysis.
Insurance
How to Insure High-Value Items and Jewelry with Home Insurance Riders in Canada
Standard home insurance has limits on jewelry and valuables. Learn how to protect high-value items with riders and scheduled personal property endorsements.
Insurance
Is Tenant Insurance Mandatory for Renters in Canada?
Tenant insurance is not legally required in Canada, but many landlords now include it as a lease condition.