There is no universal amount. Factors may include income, debts, mortgage, dependants, existing assets, education goals, and future financial obligations.

Cost depends on factors such as age, health, coverage amount, insurance type, and policy duration. A consultation can help identify options within your budget.

Employer coverage can be useful, but it may not always provide enough protection or remain with you if your employment changes. Reviewing your total coverage can help identify potential gaps.

Coverage needs depend on each household. Even a spouse who earns less — or does not currently earn income — may provide significant financial and caregiving value to the household.

Eligibility varies by insurer, product, residency status, and individual circumstances. A consultation can help explore available options.

No. The consultation is an opportunity to discuss your goals, understand potential needs, and explore available options.

Requirements vary depending on the insurer, product, coverage amount, age, and health history. Some products may have simplified underwriting.