{"id":30700,"date":"2025-10-24T13:58:02","date_gmt":"2025-10-24T17:58:02","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?page_id=30700"},"modified":"2026-02-19T15:41:27","modified_gmt":"2026-02-19T20:41:27","slug":"new-parents","status":"publish","type":"page","link":"https:\/\/www.rbcinsurance.com\/en-ca\/life-stages\/new-parents\/","title":{"rendered":"Young families"},"content":{"rendered":"\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__HeroImageBackground  hasDarkBg\" style=\"background:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-hero.webp) no-repeat;--bghero-mobi-url:url(https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-hero-mobile.webp)\">\n<div class=\"wp-block-columns cols-hero-wrapper is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-front is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"rbc-yoast-breadcrum\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading rbc-callout-heading\" id=\"h-big-protection-for-your-littlest-ones\"><mark style=\"background-color:rgba(0, 0, 0, 0);color:#FEDF01\" class=\"has-inline-color\">Big protection<\/mark> for your littlest ones<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">New family members mean new responsibilities. Protect what matters most by choosing insurance built for you \u2014 and for them.<\/p>\n\n\n\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#h-three-ways-to-give-your-family-a-safety-net\" data-dig-id=\"LP-30700-c1ee1117\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"See what our clients choose-#h-three-ways-to-give-your-family-a-safety-net \">See what our clients choose<\/a><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-postal-code postal-code-form  postal-code\" data-custom-url=\"\"><div class=\"quote-form \"><div class=\"inputCode\"><label>Your postal code<\/label><input class=\"\" type=\"text\" value=\"\" placeholder=\"A1A 1A1\"\/><\/div><div class=\"inputCode\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"#\" data-dig-id=\"LP-30700-4daf49f0\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-# \">Get a quote<\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"error-msg\"><span class=\"error-msg-span\">Please provide a valid postal code in A1A 1A1 format.<\/span><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-media-text is-stacked-on-mobile mar-t-dbl mob-mar-t-dbl pad-t-dbl mob-pad-t-dbl pad-b-dbl mob-pad-b-dbl\"><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"593\" height=\"593\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-1-1_EN.webp?quality=80&amp;w=593\" alt=\"A mother and son protected by life insurance\n43% of Canadian parents of minor children have life insurance\" class=\"wp-image-30881 size-full\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-1-1_EN.webp 593w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-1-1_EN.webp?resize=150,150 150w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-1-1_EN.webp?resize=300,300 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-1-1_EN.webp?resize=420,420 420w\" sizes=\"auto, (max-width: 593px) 100vw, 593px\" \/><\/figure><div class=\"wp-block-media-text__content\">\n<h1 class=\"wp-block-heading mob-mar-t-dbl\" id=\"h-how-insurance-helps-young-families-like-yours\"><span class=\"partial__border-bottom\">How insurance helps young families (like <\/span>yours<span class=\"partial__border-bottom\">!)<\/span><\/h1>\n\n\n\n<p>Your family relies on you in more ways than one. Insurance helps replace income if something happens, covers unexpected medical costs, and starts saving for your child\u2019s future \u2014 often for less than you might expect.<\/p>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading mar-t-dbl mob-mar-t-dbl\" id=\"h-three-ways-to-give-your-family-a-safety-net\">Three ways to give your family a safety net<\/h2>\n\n\n\n<div class=\"wp-block-rbc-comparison-block comparisonBlock  menuStyle__enhanced menuItems__dropdown mar-t-0 mob-mar-t-0\" data-dropdownlabel=\"Category\"><div class=\"comparisonBlock__header\"><p class=\"rbc-override-margin p-large\"><span class=\"partial__border-bottom\">From covering everyday expenses to preparing for life\u2019s unexpected turns, these are the core protections that help parents feel secure at every stage.<\/span><\/p><\/div><div class=\"comparisonBlock__content\"><div class=\"comparisonBlock__content-left\">\n<div class=\"selectDropdown__wrapper\">\n\t<div class=\"selectDropdown selectDropdown__default  selectDropdown__floating \" \t\tdata-option_name=\"\" style=\"width:100%\">\n\t\t\t\t\t<span class=\"selectDropdown__label\" tabindex=\"0\" aria-label=\"Category\">Category<\/span>\n\t\t\t\t<button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\">\n\t\t\t<span class=\"selectDropdown__title\" data-default_title=\"Security for your family if you\u2019re gone\">\n\t\t\t\tSecurity for your family if you\u2019re gone\t\t\t<\/span>\n\t\t\t<span class=\"selectDropdown__chevron\"><\/span>\n\t\t<\/button>\n\t\t<ul class=\"selectDropdown__list\" role=\"listbox\" tabindex=\"-1\">\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item selected\"\n\t\t\t\t\tdata-option_value=\"0\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tSecurity for your family if you\u2019re gone\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tLife insurance can cover child care, replace lost income, and so much more.\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"1\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tCover unexpected health shocks\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tBuild a buffer for serious illness, injury, or diagnosis.\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t<li\n\t\t\t\t\tclass=\"selectDropdown__list__item \"\n\t\t\t\t\tdata-option_value=\"2\"\n\t\t\t\t\trole=\"option\"\n\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\taria-selected=\"false\"\n\t\t\t\t\t\t\t\t\t\tdata-option_url=\"\"\n\t\t\t\t>\n\t\t\t\t\t<div class=\"selectDropdown__list__item__content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__name\">\n\t\t\t\t\t\t\t\tProtect your home and major debts\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"selectDropdown__list__item__description\">\n\t\t\t\t\t\t\t\tMake sure damage or disputes do not disrupt life at home.\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t\t<\/div>\n\t<\/div>\n<div class=\"comparisonBlock__menuItems\"><ul class=\"menuItems__enhanced\" role=\"tablist\" tabindex=\"0\"><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_1\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/umbrella_24x24.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Security for your family if you\u2019re gone<\/p><p class=\"menuItem__enhanced__description\">Life insurance can cover child care, replace lost income, and so much more.<\/p><\/div><\/li><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_2\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/bandaid-24x24-1.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Cover unexpected health shocks<\/p><p class=\"menuItem__enhanced__description\">Build a buffer for serious illness, injury, or diagnosis.<\/p><\/div><\/li><li class=\"comparisonBlock__menuItem\" tabindex=\"0\" role=\"tab\" aria-selected=\"false\" id=\"comparisonBlock__menuItem_3\"><div class=\"menuItems__enhanced__icon\"><img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/home-24x24-1.svg\" alt=\"\" style=\"width:32px;height:32px;object-fit:contain\"\/><\/div><div class=\"menuItems__enhanced__content\"><p class=\"menuItem__enhanced__name\">Protect your home and major debts<\/p><p class=\"menuItem__enhanced__description\">Make sure damage or disputes do not disrupt life at home.<\/p><\/div><\/li><\/ul><\/div><\/div><div class=\"comparisonBlock__content-right\">\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"ezkvsup2x\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines  is-style-default default\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Life insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-simplified-term-life-insurance\">RBC Simplified Term life insurance<\/h4>\n\n\n\n<p>Get affordable protection for all your short-term needs with a path towards lifetime coverage.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $50,000 to $1,000,000 over 10-40 years.<sup><a href=\"#legal-2\" data-dig-id=\"LP-30700-02ba38b7\" data-dig-label=\"2\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">2<\/a><\/sup><\/p>\n\n\n\n<p>Quick online application, no medical exam for eligibility may be required.<\/p>\n\n\n\n<p>Includes $10,000 accidental death benefit.<\/p>\n\n\n\n<p>Convert term to permanent insurance without medical proof until age 71.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-30700-b308627f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get an online quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get an online quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-life-insurance\/\" data-dig-id=\"LP-30700-ab07b893\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Life insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-yourterm-life-insurance\">RBC YourTerm life insurance<\/h4>\n\n\n\n<p>Customize your coverage with higher coverage limits, more flexible options and additional benefits.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Coverage from $1,000,001 to $25,000,000 for a term anywhere between 10 to 40 years.<sup><a href=\"#legal-3\" data-dig-id=\"LP-30700-2d915761\" data-dig-label=\"3\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">3<\/a><\/sup><\/p>\n\n\n\n<p>Future flexibility with the option to change from term life insurance to permanent life insurance in the future without medical evidence, up to age 71.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30700-548629c5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/term-life-insurance\/\" data-dig-id=\"LP-30700-0d92de93\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_ezkvsup2x\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"k94wvg5de\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Critical illness insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-critical-illness-insurance\">RBC critical illness insurance<\/h4>\n\n\n\n<p>Protect yourself financially against the most common illnesses. Together, cancer, heart attack and stroke make up 89% of all critical illness claims.<sup><a href=\"#legal-4\" data-dig-id=\"LP-30700-ed725aae\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"2\" class=\"rbc-link-format\">4<\/a><\/sup> For financial protection against these common illnesses<sup><a href=\"#legal-5\" data-dig-id=\"LP-30700-0075abed\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"3\" class=\"rbc-link-format\">5<\/a><\/sup>, choose our most affordable coverage.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Lump-Sum Benefit: $10,000, $25,000, $50,000 or $75,000.<\/p>\n\n\n\n<p>Affordable Coverage: For the three most common critical illnesses&nbsp;\u2014cancer<sup><a href=\"#legal-5\" data-dig-id=\"LP-30700-2a5f0af1\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"5\" class=\"rbc-link-format\">5<\/a><\/sup>, heart attack and stroke.<\/p>\n\n\n\n<p>Optional Benefit: The Return of Premium on Death Benefit refunds all premiums paid if you pass away while the policy is in force.<\/p>\n\n\n\n<p>Assistance Services: Teladoc Medical Experts+, Medical Confidence service, \u201cThe Healing Journey\u201d program and early assistance benefit.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30700-b308627f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\" data-dig-id=\"LP-30700-fc8e6618\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Disability insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-professional-series-disability-insurance\">RBC Professional Series disability insurance<\/h4>\n\n\n\n<p>The Professional Series policy provides long-term disability coverage and return to work benefits that are designed around your unique needs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Total Disability Benefits: Receive a specified monthly benefit if illness or injury completely prevents you from working.<sup><a href=\"#legal-6\" data-dig-id=\"LP-30700-9f4b26c6\" data-dig-label=\"4\" data-dig-action=\"link click\" data-dig-category=\"LP\" class=\"rbc-link-format\">6<\/a><\/sup><\/p>\n\n\n\n<p>Partial and Residual Disability Benefits: Makes your transition back to work easier if, as a result of injury or illness, you are only able to work part-time.<\/p>\n\n\n\n<p>Choice of Benefit Periods: Receive benefits for two years, five years or until age 65.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/return-to-work-benefits\/\" data-dig-id=\"LP-30700-38d5c4d7\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Return to Work Assistance Benefits\" class=\"rbc-link-format\">Return to Work Assistance Benefits<\/a>: Receive services that can help you get back to your job.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30700-548629c5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-30700-da33634b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_k94wvg5de\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-cards comparisonCards\"><div class=\"comparisonCards__cards carousel-wpr\" id=\"an3thsec0\">\n<div class=\"wp-block-rbc-comparison-card comparisonCard showEnergyLines\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Home insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-home-insurance\">Home insurance<\/h4>\n\n\n\n<p>Your home is one of the biggest purchases you\u2019ll ever make. Help protect it and your financial future with the right insurance coverage.<\/p>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Helps to protect your home and detached structures on your property (such as a storage shed) against insured risks like fire, wind, hail, theft and more.<\/p>\n\n\n\n<p>Helps to protect you financially against insured damage or loss to furniture, clothing and other personal property inside your home or vehicle.<\/p>\n\n\n\n<p>Helps to protect you financially if you accidentally cause property damage or bodily injury to others \u2014 at home or anywhere in the world.<\/p>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HMMPP&amp;lang=EN\" data-dig-id=\"LP-30700-b308627f\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get an online quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=home&amp;campaignID=E4HMMPP&amp;lang=EN \">Get an online quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/home-insurance\/\" data-dig-id=\"LP-30700-ba49eee2\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-comparison-card comparisonCard\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-2256ceb0 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__topContent is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group comparisonCard__header is-horizontal is-layout-flex wp-block-group-is-layout-flex\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  blue is-style-white-ice\" style=\"--icon-url:url(undefined)\"><span>Mortgage insurance<\/span><\/div><\/div>\n<\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-rbc-homeprotector-mortgage-insurance\">RBC HomeProtector mortgage insurance<\/h4>\n\n\n\n<p>Protect your family and your financial future with affordable insurance coverage on your RBC Royal Bank Mortgage.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide wide\"\/>\n<\/div>\n\n\n\n<div class=\"wp-block-group comparisonCard__highlights is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-highlights-card highlightsCard  is-style-blue-checkmark\"><div class=\"highlightsCard__heading\"><h5>Highlights<\/h5><\/div><div class=\"highlightsCard__items\">\n<p>Choose life insurance only\u2014or add critical illness or disability insurance for more protection.<\/p>\n\n\n\n<p>Helps preserve your personal insurance.<\/p>\n\n\n\n<p>Helps safeguard your savings for what they were intended.<\/p>\n\n\n\n<p>Life, critical illness and disability benefits are non-taxable and benefits do not have to be coordinated with other insurance plans. HomeProtector Insurance is underwritten by The Canada Life Assurance Company.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-fe9cc265 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group comparisonCard__cta is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/apps.royalbank.com\/apps\/creditor-insurance\/homeprotector\/?lang=en\" data-dig-id=\"LP-30700-548629c5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get an online quote-https:\/\/apps.royalbank.com\/apps\/creditor-insurance\/homeprotector\/?lang=en \">Get an online quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"comparisonCard__learnMore\"><a href=\"https:\/\/www.rbcroyalbank.com\/mortgages\/homeprotector-mortgage-insurance.html\" data-dig-id=\"LP-30700-823cfb1b\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn more\" class=\"rbc-link-format\">Learn more<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"comparisonCards__sliderNav\" id=\"nav_an3thsec0\"><div class=\"comparisonCards__navArrow comparisonCards__prevArrow\"><\/div><div class=\"comparisonCards__sliderDots\"><\/div><div class=\"comparisonCards__navArrow comparisonCards__nextArrow\"><\/div><\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__2CTACard  hasDarkBg\" style=\"background-color:#006AC3\">\n<div class=\"wp-block-columns cols2CTA is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column columnLeft is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group groupColumnLeft is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-white-color\" id=\"h-talk-to-an-advisor-if\">Talk to an advisor if<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-white\">\n<li class=\"wp-block-rbc-list-item\">\n<p>You\u2019re planning to combine multiple products.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You have unique health or family considerations.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You want a tailored financial plan.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30700-38d1219e\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column columnRight is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group groupColumnRight is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading has-white-color\" id=\"h-start-online-if\">Start online if<\/h2>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-checkmark-white\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your needs are straightforward.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You know the coverage type you want.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>You want to get started now.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-accent accent\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-30700-bba85c0d\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a life insurance quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a life insurance quote<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-layout-selector layoutSelector layoutSelector__layout8\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group layoutSelector__header is-layout-flow wp-block-group-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-helpful-resources\"><span class=\"partial__border-bottom\">Helpful resources<\/span><\/h2>\n\n\n\n<p class=\"p-large\"><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group layoutSelector__cards-container layoutSelector__is-flex layoutSelector__direction-row is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group flex-2\/3 layout8-article-wrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-article-cards articleCards layout8-article-cards\"><div class=\"articleCards__container\"><div class=\"articleCards__cards carousel-wpr\">\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumb-father-and-son_402x.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Article<\/span><h4 class=\"rbc-override-margin\">Life Insurance for a New Baby? Why It Makes Sense.<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">Purchasing life insurance for your newborn can be a wise investment as you plan for their long-term financial health.<\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/life-insurance-for-a-baby-and-why-it-makes-sense\">Read now<\/a><\/p><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-article-card-single articleCardSingle\"><div class=\"articleCardSingle__image\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/thumbnail-default-applying-for-life-insurance-2.jpg\" alt=\"Featured Image\"\/><\/div><div class=\"articleCardSingle__content\" style=\"background-color:#F7F8FA\"><span class=\"cardTag\">Article<\/span><h4 class=\"rbc-override-margin\">Applying For Life Insurance: Why You Should Be An Open Book<\/h4><p class=\"rbc-override-margin truncate-text-lines-3\">Some of the questions  in your life insurance application might surprise you.  Let&#8217;s find out what they are and why they&#8217;re necessary.<\/p><p class=\"articleCardSingle__postLink\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/applying-for-life-insurance\">Read now<\/a><\/p><\/div><\/div>\n<\/div><div class=\"articleCards__sliderNav\"><div class=\"articleCards__navArrow articleCards__prevArrow\"><\/div><div class=\"articleCards__sliderDots\"><\/div><div class=\"articleCards__navArrow articleCards__nextArrow\"><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group info_layoutSelector flex-1\/3 layoutSelector__is-flex layoutSelector__direction-col is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-rbc-information-card informationCard articleCardsLayout__stackedCard\" style=\"--icon-url:url(undefined);background-color:#edf7fc\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-square-yellow\" style=\"--icon-url:url(undefined)\"><span>Tool<\/span><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-life-insurance-calculator\">Life insurance calculator<\/h4>\n\n\n\n<p>See how much coverage is right for you and your family.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-style-secondary secondary is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-secondary secondary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html\" data-dig-id=\"LP-30700-7e319bd2\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Calculate now-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html \">Calculate now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-information-card informationCard articleCardsLayout__stackedCard\" style=\"--icon-url:url(undefined);background-color:#edf7fc\">\n<div class=\"rbc-pill-block\"><div class=\"wp-block-rbc-pill-block snipe pill  is-style-square-yellow\" style=\"--icon-url:url(undefined)\"><span>Tool<\/span><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-critical-illness-insurance-calculator\">Critical illness insurance calculator<\/h4>\n\n\n\n<p>See how much coverage is right for you.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-style-secondary secondary is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button is-style-secondary secondary btn before\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html\" data-dig-id=\"LP-30700-6b9069ad\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Calculate now-https:\/\/www.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html \">Calculate now<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-rbc-faq faq\"><div class=\"faq__header\"><h2><span class=\"partial__border-bottom\">Frequently asked questions<\/span> for young families<\/h2><\/div><div class=\"faq__content\">\n<div class=\"wp-block-rbc-rbc-collapsible-accordion accordion\" id=\"&quot;accordionSet1\">\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title7mb3djrw\" class=\"collapse-toggle collapsed\" data-target=\"#accordion7mb3djrw\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30700-7mb3djrw\" aria-controls=\"accordion7mb3djrw\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"When is the best time I should consider life insurance?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>When is the best time I should consider life insurance?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion7mb3djrw\" role=\"region\" aria-labelledby=\"accordion-title7mb3djrw\"><div class=\"collapse-inner\">\n<p>You may want to consider life insurance if you have people who depend on you financially or have debt that will be left for your loved ones.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlem7b287s0\" class=\"collapse-toggle collapsed\" data-target=\"#accordionm7b287s0\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30700-m7b287s0\" aria-controls=\"accordionm7b287s0\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"If I pass away, what do my loved ones do with the lump sum of money?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>If I pass away, what do my loved ones do with the lump sum of money?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionm7b287s0\" role=\"region\" aria-labelledby=\"accordion-titlem7b287s0\"><div class=\"collapse-inner\">\n<p>The lump sum amount of money from a life insurance policy can be used to help:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-black-disc mar-l\">\n<li>Replace lost income for your family<\/li>\n\n\n\n<li>Cover or pay off living expenses like mortgage or rent<\/li>\n\n\n\n<li>Provide for your child\u2019s care<\/li>\n\n\n\n<li>Pay off debts you may leave behind<\/li>\n\n\n\n<li>Fund your children\u2019s education<\/li>\n\n\n\n<li>Create a tax-free inheritance<\/li>\n\n\n\n<li>Cover funeral and other final expenses<\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titler161e6te\" class=\"collapse-toggle collapsed\" data-target=\"#accordionr161e6te\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30700-r161e6te\" aria-controls=\"accordionr161e6te\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How much does life insurance cost?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How much does life insurance cost?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionr161e6te\" role=\"region\" aria-labelledby=\"accordion-titler161e6te\"><div class=\"collapse-inner\">\n<p>That depends on your needs. If you\u2019re considering term life insurance, you can get a cost estimate pretty quickly with a&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-30700-8f78dfbf\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"life insurance quote\" class=\"rbc-link-format\">life insurance quote<\/a>. Your premiums may be different from another person\u2019s premiums\u2014that\u2019s because premiums are based on many things, including risk factors that are unique to you. Check out&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/how-to-fit-life-insurance-into-your-budget\/\" data-dig-id=\"LP-30700-c26486cc\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"I Need To Adjust My Budget, How Can I Get Insurance To Fit?\" class=\"rbc-link-format\">I Need To Adjust My Budget, How Can I Get Insurance To Fit?<\/a><\/p>\n\n\n\n<p>In general, here\u2019s what will figure into your cost:<\/p>\n\n\n\n<p>The type of insurance you choose<br>Term life insurance is intended to cover short-term needs and is more affordable than a permanent life insurance policy that offers lifetime coverage, such as Universal or Whole Life insurance. Some permanent life insurance policies may also have an investment component and legacy-building benefits. See&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/types-of-life-insurance\/\" data-dig-id=\"LP-30700-c8482b56\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Types of Life Insurance Explained\" class=\"rbc-link-format\">Types of Life Insurance Explained<\/a>&nbsp;or check out&nbsp;<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/general-insurance\/can-i-personalize-my-insurance\/\" data-dig-id=\"LP-30700-09eb31ab\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Can I Personalize My Insurance?\" class=\"rbc-link-format\">Can I Personalize My Insurance?<\/a><\/p>\n\n\n\n<p>How much coverage you buy<br>A million-dollar policy is going to cost you more than a $250,000 policy (for the same term length).<\/p>\n\n\n\n<p>Your age, health and gender<br>The younger and healthier you are when you buy life insurance, the less it will cost. And men typically pay more than women do based on life expectancy.<br>As an example, a 35-year-old female non-smoker can expect to pay around $19.85 per month for a 20-year term life insurance policy worth $350,000, while a 35-year old male non-smoker can expect to pay around $25.78 per month for the same policy.<\/p>\n\n\n\n<p>Your lifestyle<br>If you drink alcohol or consume marijuana frequently, or enjoy more extreme activities like scuba diving or rock climbing, you will be required to disclose more information and, depending on the specifics, you may pay higher premiums. And, if you smoke or use tobacco products, you will almost certainly pay more for your policy.<\/p>\n\n\n\n<p>Family medical history<br>If cancer, diabetes or other medical conditions run in your family, this could increase your rates.<\/p>\n\n\n\n<p>Get a <a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" data-dig-id=\"LP-30700-6908ed4e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"quick life insurance quote\" class=\"rbc-link-format\">quick life insurance quote<\/a> now to see what a life insurance policy might look like, based on your needs.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-titlexfeu1kql\" class=\"collapse-toggle collapsed\" data-target=\"#accordionxfeu1kql\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30700-xfeu1kql\" aria-controls=\"accordionxfeu1kql\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"How can life insurance purchased when a child is very young offer advantages later?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>How can life insurance purchased when a child is very young offer advantages later?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordionxfeu1kql\" role=\"region\" aria-labelledby=\"accordion-titlexfeu1kql\"><div class=\"collapse-inner\">\n<p>You can buy a permanent life insurance policy for your children at any time. But there are two significant advantages to getting coverage when your child is still young:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-black-disc mar-l mob-mar-l\">\n<li>Coverage may be less expensive because they are so young<\/li>\n\n\n\n<li>Your child has a longer window to accumulate the cash value<\/li>\n<\/ul>\n\n\n\n<p>From a saving perspective, time is the most powerful tool your child has. The sooner your child is covered by a permanent life insurance policy, the longer the cash value component has to grow until they\u2019re ready to use it for things like education or buying a home.<\/p>\n<\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-collapsible-panel\"><div class=\"accordion-panel\"><button id=\"accordion-title162da421\" class=\"collapse-toggle collapsed\" data-target=\"#accordion162da421\" data-toggle=\"collapse\" data-parent=\"#accordionSet1\" aria-expanded=\"false\" data-dig-id=\"LP-30700-162da421\" aria-controls=\"accordion162da421\" data-dig-category=\"LP\" data-dig-action=\"collapsible closed\" data-dig-label=\"I have a disability policy at work. Why do I need another policy?\" action-closed=\"collapsible closed\" action-opened=\"collapsible open\"><div>I have a disability policy at work. Why do I need another policy?<\/div><\/button><div class=\"collapse-content collapse\" id=\"accordion162da421\" role=\"region\" aria-labelledby=\"accordion-title162da421\"><div class=\"collapse-inner\">\n<p>This answer depends on your employer-sponsored disability plan, so examine it carefully and know what it covers. Typically, an employer-sponsored plan will end when your employment ends. One of the advantages of a disability insurance policy from RBC Insurance is that you can take it with you if you leave your job.<br>Here are some things to look at for your employer-sponsored plan:<\/p>\n\n\n\n<ul class=\"wp-block-list list-core-block second-level-inherit third-level-inherit is-style-black-disc mar-l mob-mar-l\">\n<li>How much of your income will your employer-sponsored disability plan replace? Will you be caught short?<\/li>\n\n\n\n<li>Are you covered for illness as well as injury?<\/li>\n\n\n\n<li>Are you only covered for accidents on the job, or are you protected 24\/7?<\/li>\n\n\n\n<li>Does your plan provide valuable return to work services?<\/li>\n\n\n\n<li>How does your plan define a disability?<\/li>\n<\/ul>\n\n\n\n<p>Once you know the answers to these questions, you may find that you need additional coverage.<\/p>\n<\/div><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__image\" style=\"background-color:#F7F8FA\">\n<div class=\"wp-block-columns cols is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column col-left is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-find-insurance-for-all-your-needs\">Find insurance for all your needs<\/h2>\n\n\n\n<p class=\"rbc-override-margin p-large\">Securing your future is crucial for young families. Don\u2019t wait until it\u2019s too late.<\/p>\n\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-buttons  get-your-free-quote is-layout-flex wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-30700-e43979a5\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Book a call-https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html \">Book a call<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column col-right is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"606\" height=\"573\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?quality=80&amp;w=606\" alt=\"A father and son protected by life insurance\" class=\"wp-image-18133\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp 606w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?resize=300,284 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-cta.webp?resize=420,397 420w\" sizes=\"auto, (max-width: 606px) 100vw, 606px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-rbc-legal-collapsible disclaimer\" aria-label=\"Legal Disclaimers\"><div class=\"section-inner\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapseDisclaimer\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapseDisclaimer\" data-dig-id=\"LP-30700-a7f4c37b\" data-dig-category=\"LP\" data-dig-action=\"legal close\" data-dig-label=\"legal close\" action-closed=\"legal close\" action-opened=\"legal open\" label-close=\"legal open\" label-open=\"legal close\"><span>View Legal Disclaimers<\/span><span>Hide Legal Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapseDisclaimer\"><div class=\"collapse-inner\"><div class=\"table-wpr\">\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-1\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>1<\/sup><\/div><div class=\"table-cell\">\n<p>Angus Reid, June 2025 survey of 1,300+ Canadians.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-2\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>2<\/sup><\/div><div class=\"table-cell\">\n<p>Only applicable for ages 18 to 55. For individuals aged 56+, the range is $50,000 to $499,999.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-3\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>3<\/sup><\/div><div class=\"table-cell\">\n<p>Only applicable for ages 18 to 55. For individuals aged 56+, the range is $500,000 to $25,000,000.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-4\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>4<\/sup><\/div><div class=\"table-cell\">\n<p>Munich Reinsurance Company, 2006 Critical Illness Survey.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-5\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>5<\/sup><\/div><div class=\"table-cell\">\n<p>Cancer is defined as a definite diagnosis of a tumour, which must be characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue. Types of Cancer include carcinoma, melanoma, leukemia, lymphoma, and sarcoma. The diagnosis of Cancer must be made by a specialist. The following forms of cancer are excluded: Lesions described as benign, pre-malignant, uncertain, borderline, non-invasive, carcinoma in-situ (Tis) or tumours classified as Ta; Malignant melanoma skin cancer that is less than or equal to 1.0 mm in thickness, unless it is ulcerated or is accompanied by lymph node or distant metastasis; Any non-melanoma skin cancer, without lymph node or distant metastasis; Prostate cancer classified as T1a or T1b, without lymph node or distant metastasis; Papillary thyroid cancer or follicular thyroid cancer, or both, that is less than or equal to 2.0 cm in greatest diameter and classified as T1, without lymph node or distant metastasis; Chronic lymphocytic leukemia classified less than Rai stage 1; or Malignant gastrointestinal stromal tumours (GIST) and malignant carcinoid tumours, classified less than AJCC Stage 2.<\/p>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-rbc-rbc-disclaimer-block\"><div class=\"table-row\" id=\"legal-6\"><div class=\"table-cell\"><span class=\"offscreen\">Legal Disclaimer<\/span><sup>6<\/sup><\/div><div class=\"table-cell\">\n<p>Certain conditions must be met for benefits to be payable. Your policy will provide complete details.<\/p>\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>How insurance helps young families (like yours!) Your family relies on you in more ways than one. Insurance helps replace income if something happens, covers unexpected medical costs, and starts saving for your child\u2019s future \u2014 often for less than you might expect. Three ways to give your family a safety net<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":30698,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-30700","page","type-page","status-publish","hentry"],"pp_force_visibility":null,"pp_subpost_visibility":null,"pp_inherited_force_visibility":null,"pp_inherited_subpost_visibility":null,"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Life Insurance for New Parents | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Life insurance for new parents that helps replace income, cover your mortgage and protect your baby&#039;s future. 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Get flexible, affordable coverage from RBC Insurance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-stages\/new-parents\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-19T20:41:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-1-1_EN.webp?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"593\" \/>\n\t<meta property=\"og:image:height\" content=\"593\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.rbcinsurance.com\/en-ca\/life-stages\/new-parents\/\",\"url\":\"https:\/\/www.rbcinsurance.com\/en-ca\/life-stages\/new-parents\/\",\"name\":\"Life Insurance for New Parents | RBC Insurance\",\"isPartOf\":{\"@id\":\"https:\/\/www.rbcinsurance.com\/en-ca\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.rbcinsurance.com\/en-ca\/life-stages\/new-parents\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.rbcinsurance.com\/en-ca\/life-stages\/new-parents\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/newparent-1-1_EN.webp?quality=80&amp;w=593\",\"datePublished\":\"2025-10-24T17:58:02+00:00\",\"dateModified\":\"2026-02-19T20:41:27+00:00\",\"description\":\"Life insurance for new parents that helps replace income, cover your mortgage and protect your baby's future. 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