No-medical, tax & products

No-medical, tax & product guides

Learn how no-medical coverage works, how the CRA treats life insurance, and how advanced products like whole and universal life fit into your plan.

Life Insurance Without a Medical Exam

How to get life insurance in Canada with no medical exam. Simplified issue, guaranteed issue, accelerated underwriting, and costs.

Best No Exam Life Insurance in Canada (2025–2026)

Compare the best no exam life insurance in Canada. Sun Life Go, Manulife, iA Financial — rates, coverage caps, and approval speed ranked.

Best No Medical Life Insurance in Canada (2025–2026)

Ranked: the best no medical life insurance options in Canada. Carriers, rates, coverage limits, and who qualifies.

Canadian Taxation of Life Insurance

The complete CRA guide: death benefits, exempt test, ACB, capital dividend account, corporate strategies, policy dispositions, and premium deductibility.

Are Life Insurance Premiums Tax Deductible?

Are life insurance premiums tax deductible in Canada? CRA rules for individuals and businesses, corporate-owned policies, and collateral assignments.

Is Life Insurance Taxable in Canada?

How life insurance is taxed in Canada: death benefits, cash value, policy loans, corporate-owned policies, and CRA rules explained for 2026.

What Are the 4 Types of Life Insurance in Canada?

Complete guide to term, whole, universal, and term-100 life insurance. Features, costs, and who each type is best for.

Is Whole Life Insurance a Good Savings Strategy in Canada?

Evaluate cash value growth, tax advantages, and returns vs TFSA and RRSP.

Life Insurance Like a Savings Account

Can life insurance work like a savings account? How cash value in whole life and universal life grows tax-deferred, and whether it beats TFSA and RRSP.

Whole Life vs Universal Life Insurance in Canada

Side-by-side comparison of premiums, cash value, flexibility, and investment options. Which permanent policy is right for you?