Life insurance, registered accounts and coverage — explained before you buy anything.
Coverage for a set period — 10, 20 or 30 years. The most affordable way to protect a mortgage and young kids.
Coverage for life, with a cash value that grows. Costs more, lasts forever, and can fund estate plans.
Permanent coverage that may pay dividends. A long-term tool, not a quick purchase.
| Account | Best for | Tax in one line |
|---|---|---|
| RRSP | Retirement, higher earners | Contributions reduce taxable income now; withdrawals taxed later. |
| TFSA | Flexible savings | Contributions taxed now; growth and withdrawals tax-free. |
| FHSA | First home buyers | Contributions reduce taxable income; qualifying home purchase tax-free. |
| RESP | Kids' education | Government grants match part of your contributions. |
A starting frame, not a prescription — your plan is personal.
If the mortgage outlives you, your family should not have to sell the house.
Years of income, so your family keeps its standard of living while it adjusts.
Set aside what the kids' schooling will actually cost, not a round number.
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