Life Insurance Learning Center

Honest, transparent, expert advice and explainers for everything you wanted to know about life insurance.
Fundamentals
Our insurance fundamentals provides honest, transparent, expert advice and explainers for everything you wanted to know about life insurance.
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Latest from learning centre
BMO whole life insurance review (2026)

Learn about BMO whole life insurance plans in Canada. Compare BMO’s Estate Protector vs. Wealth Accelerator. See how the non‑negative performance bonus can grow cash value and coverage, and find out which plan fits your goals.

By Diarmuid Shiels
Senior Insurance Advisor, LLQP
9 min read
Capital Dividend Account (CDA) in Canada: The Complete Guide for Business Owners (2026)

Discover how Canadian private corporations use a Capital Dividend Account (CDA) to pay tax‑free dividends, and stay compliant with CRA rules in 2026.

By Diarmuid Shiels
Senior Insurance Advisor, LLQP
8 min read
Sun Life whole life insurance review (2026)

Compare Sun Life whole life insurance plans in Canada. Learn how its participating, non-participating, and guaranteed plans work, what benefits they offer, and how they help build long-term financial protection in Canada.

By Vanessa Smith
Insurance Advisor, LLQP
19 min read
Empire Life whole life insurance review (2026)

Compare Empire Life whole life insurance plans in Canada. Learn how its participating and non-participating options work, what their key benefits, and how they support long-term financial protection and estate planning goals.

By Diarmuid Shiels
Senior Insurance Advisor, LLQP
19 min read
What is a pre-existing condition in Canada? (2026 Guide)

Learn how pre-existing conditions affect insurance approvals and claims in Canada. Discover common conditions insurers evaluate, how risk impacts coverage, and practical tips to secure insurance even with a pre-existing condition.

By Jiten Puri
CEO & Founder, Insurance Advisor, LLQP
13 min read
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