Canadian insurance education
Understand your coverage, in plain language.
Plain-language insurance education for Canadians — workplace benefits, life insurance, income protection, and the gaps in between.
Home · Health · Work — layers of coverage
Education first
Learn how coverage actually works before you talk to anyone.
Plain language
No jargon, no pressure — just clear explanations.
Built for Canadians
Provincial context, workplace benefits, and real-life scenarios.
What we help you understand
Browse all guidesProtect your income
Workplace benefits
Learn how group health, dental, and life benefits typically work — and where coverage often stops.
What to checkIncome protection & disability
Explore how disability insurance can help replace income if you're unable to work.
Learn the basicsCritical illness coverage
See what a critical illness payout can cover and how it differs from disability insurance.
How it commonly worksProtect your people
Life insurance basics
Understand the difference between term and permanent life insurance, in plain terms.
Understand the differenceMortgage protection
Understand how mortgage-related coverage compares with other ways to protect a home loan.
See how the structures differInvestment growth basics
Learn how cash-value growth works inside certain insurance products, at a plain-language level.
Try the calculatorUnderstand the system
Changing jobs
See what commonly happens to benefits between jobs — and the dates worth knowing ahead of time.
What to checkNew to Canada
A starting map of how public coverage, workplace benefits, and personal insurance fit together.
Start hereInsurance, in plain English
Premiums, riders, elimination periods — the vocabulary of a benefits booklet, translated.
Browse the glossaryA simple way to get clarity
Learn the basics
Work through free guides and plain-language explanations at your own pace.
Spot topics worth checking
Use the checklist and calculators to see which parts of a plan are worth reading more closely.
Ask when you're ready
The contact page shows whether a no-pressure general-question option is currently available.
Not sure what your benefits actually cover?
Insure.ance is an educational resource. The contact page lists any currently available way to ask a general question and the boundaries that apply.