Could your life insurance plan leave a coverage gap?
Answer a few straightforward questions to see whether your current protection may leave an important financial gap for the people who depend on you.
- Ontario-focused
- Private and secure
- No obligation
Check your coverage gap
Complete the assessment below to receive your personalized result.
Educational guidance only. Your result is based on the information you provide and is not an insurance quote or guarantee of coverage.
What your result can help you understand
Roughly how much protection your household relies on
A plain-language view of the income, debts and day-to-day costs your family would still face.
Where your existing coverage may fall short
Group benefits and older policies often cover less than people expect. The result highlights areas worth reviewing.
Which questions to ask next
Use the result as a starting point for a conversation about the coverage directions that may suit you.
Results are estimates for information only. Coverage, eligibility and final premiums are determined by the insurer and are subject to underwriting and policy terms.
Mathew is an FSRA-authorized Life Insurance and A&S Insurance Agent (licence #24223022) running an independent insurance practice in Ontario. If you want help making sense of your result, he explains it in plain language — no jargon, no pressure, and no call centre handing you around.
More about MathewCommon questions
Is this an insurance quote?+
No. The calculator is educational only. It estimates a possible protection gap from the information you enter. Real pricing, eligibility and coverage are determined by the insurer and are subject to underwriting and policy terms.
What information will I need?+
General details such as your household situation, income, major debts like a mortgage, and any coverage you already have. Share only what you are comfortable sharing — no banking details, government ID numbers or documents are needed.
Will someone call me?+
There is no obligation and no automatic call. If you choose to share your contact details at the end, Mathew Cordeiro can follow up — by text if you prefer. Texts come from Bluebird Assurance's dedicated text line, (647) 584-5623.
How is my information used?+
Your answers are used to produce your result and, if you ask for follow-up, to help Mathew understand your situation. Details are never sold.
Can I use this if I already have coverage?+
Yes. Many people use it exactly that way — to check whether an existing policy or workplace group plan still matches their current situation.
What happens after I finish?+
You see your result right on this page. From there you can read the insurance e-guide, explore options in the coverage hub, or ask Mathew a question. Nothing is purchased here.
Choose your next step
Explore a tool, learn the essentials, apply online, or speak directly with Mathew.
Digital Coverage Hub
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Explore the coverage hubLife insurance options by text
Have Mathew text you plain-language options that may fit.
Text me my optionsPolicy Type Quiz
Discover which insurance direction may fit your priorities.
Find my policy typeOntario Insurance E-Guide
Learn the essentials before comparing your options.
Read the insurance e-guideContact Mathew
Ask a licensed Ontario insurance broker a question directly.
Contact Mathew