Start with the question you are actually asking
Most people arrive with one of three questions: how much coverage do I need, what kind of policy fits me, or which health plan direction makes sense. Each tool below is built to answer one of those questions in a few minutes.
These tools are educational starting points, not financial advice. Final recommendations always depend on a full conversation and insurer underwriting.
Coverage Gap Quiz
Estimates whether your current coverage may leave your family financially exposed, and roughly how large the gap could be.
Policy Type Quiz
Helps you understand which policy approach — term, whole, universal or guaranteed — may suit your situation before you talk to an advisor.
Health Plan Quiz
Points you toward a health and dental plan direction based on your lifestyle, work situation and coverage needs.
Digital Coverage Hub
Explore personalized coverage options, see real-time quotes from Canadian insurers, and start a secure online application.
Ontario Insurance E-Guide
A free educational guide that explains how life and health insurance work in Ontario, in plain language.
Life Insurance Pre-Qualification
A quick preliminary screening that helps identify which coverage options may be worth exploring based on your situation.
Common questions
Are these tools free to use?
Yes. Every tool on this page is free. Some tools ask for contact details so a licensed advisor can follow up, but there is no cost and no obligation to buy anything.
Do the quizzes give me financial advice?
No. The quizzes and calculators are educational starting points. They help you understand your situation and the types of coverage that may be worth exploring, but final recommendations always depend on a full conversation and insurer underwriting.
Which tool should I start with?
If you are unsure how much coverage you need, start with the Coverage Gap Quiz. If you know you need coverage but not which kind, the Policy Type Quiz is the better starting point.
Keep reading
The pillar guide to how life insurance works.
How much coverage do I need?A practical framework for sizing coverage.
Life insurance quotesHow quoting works before any application.
How underwriting worksWhat happens after a tool gives you a starting point.
Talk to an advisorQuestions a tool cannot answer? Reach out.
Written and reviewed by Mathew Cordeiro, a licensed life and health insurance broker serving Ontario through Bluebird Assurance. This page is general information only, not financial or insurance advice. Coverage, features, eligibility and pricing vary by insurer and are subject to underwriting and policy terms.