{"id":14809,"date":"2024-08-21T03:06:57","date_gmt":"2024-08-21T03:06:57","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=14809"},"modified":"2026-04-07T18:36:46","modified_gmt":"2026-04-07T22:36:46","slug":"how-to-talk-about-life-insurance-with-your-family","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-to-talk-about-life-insurance-with-your-family","title":{"rendered":"How to Talk About Life Insurance with Your Family"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">How to Talk About Life Insurance with Your Family<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2024-08-21T03:06:57-04:00\">August 21, 2024<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">9 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" 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class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to Talk About Life Insurance with Your Family &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-to-talk-about-life-insurance-with-your-family\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/how-to-talk-about-life-insurance-with-your-family\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Why it\u2019s important to talk about life insurance<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-why-it-s-important-to-talk-about-life-insurance\">Why it\u2019s important to talk about life insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-start-a-conversation-about-life-insurance\">How to start a conversation about life insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-talk-to-your-family-about-life-insurance\">How to talk to your family about life insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-talk-about-the-beneficiary-or-beneficiaries-of-the-life-insurance-policy\">Talk about the beneficiary or beneficiaries of the life insurance policy<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-happens-to-your-life-insurance-policy-after-you-die\">What happens to your life insurance policy after you die?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-advise-your-family-on-who-is-helping-you-with-your-estate\">Advise your family on who is helping you with your estate<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-share-a-copy-of-your-life-insurance-policy\">Share a copy of your life insurance policy<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-frequently-asked-questions-faqs-about-life-insurance-conversations\">Frequently asked questions (FAQs) about life insurance conversations<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner \" style=\"border-radius:0x\">\n<p>Talking about life insurance can feel uncomfortable, but it\u2019s one of the most caring steps you can take to protect your loved ones. Whether you\u2019re reviewing your coverage or buying your first policy, having an open conversation helps your family understand how <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-LifeInsurance-14809-bf5244c3\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"life insurance\" class=\"rbc-link-format\">life insurance<\/a> supports their financial security when it matters most.<\/p>\n\n\n\n<p>Many Canadians put off this discussion, unsure how to begin or who to talk to about life insurance. Starting the conversation early ensures your family knows your wishes, understands your policy, and can easily manage it in the future. In this article, you\u2019ll learn practical ways to talk about life insurance, how to explain your life insurance policy clearly, and how to help your loved ones feel confident about the protection life insurance provides<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeways\">Key takeways<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Talking about life insurance helps protect your loved ones by ensuring they understand your coverage and wishes.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Starting the conversation early gives your family confidence and clarity when it comes time to manage your policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Keep your discussion simple by focusing on why life insurance matters, who your beneficiaries are, and how life insurance claims work.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your life insurance beneficiary or beneficiaries will need to access key information to make a claim against your life insurance policy and claim the death benefit. Bring key details like your advisor\u2019s contact information and policy documents to the conversation.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-it-s-important-to-talk-about-life-insurance\">Why it\u2019s important to talk about life insurance<\/h2>\n\n\n\n<p>Life insurance is one of the simplest ways to protect your family financially. It helps your loved ones manage day-to-day expenses, pay off debts, and maintain stability after you\u2019re gone.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">By discussing your life insurance plans, you:<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Reduce confusion about policy details and beneficiaries<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Give your family peace of mind about their future<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Make it easier for loved ones to access benefits when needed<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Ensure your intentions are clearly understood and documented<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-start-a-conversation-about-life-insurance\">How to start a conversation about life insurance<\/h2>\n\n\n\n<p>Many people see finances and insurance as private topics, but talking about them helps avoid stress later. Keep the discussion relaxed and focused on care, not numbers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Pick the right time and place<\/h3>\n\n\n\n<p>Choose a calm, distraction-free setting. Avoid emotional or stressful moments.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Explain why life insurance matters<\/h3>\n\n\n\n<p>Start with the reason behind your decision: protecting your loved ones, supporting your family\u2019s lifestyle, or helping with future expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Share the essentials of your life insurance policy<\/h3>\n\n\n\n<p>Cover key points about your life insurance policy like:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>What <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/types-of-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-14809-5bdffbe8\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"type of life insurance policy\" class=\"rbc-link-format\">type of life insurance policy<\/a> you have (term, whole life, or family life insurance)<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Who your beneficiaries are<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>How to contact your insurance advisor<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">4. Be open and patient<\/h3>\n\n\n\n<p>Encourage questions and offer to follow up if something needs clarification. An <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" data-dig-id=\"LP-LifeInsurance-14809-a4ded7f2\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"RBC Insurance Advisor\" class=\"rbc-link-format\">RBC Insurance Advisor<\/a> can also help your family understand your policy details and provide guidance on <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/how-does-life-insurance-work\/\" data-dig-id=\"LP-LifeInsurance-14809-ba08588b\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"how life insurance works\" class=\"rbc-link-format\">how life insurance works<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-talk-to-your-family-about-life-insurance\">How to talk to your family about life insurance<\/h2>\n\n\n\n<p>Many people view their finances (including life insurance and estate information) as private subjects not to be discussed openly, even with loved ones. About four in 10 Canadians over the age of 55 say they\u2019re not comfortable having open conversations with their families, but there are benefits to sharing your <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/retirement\/what-is-estate-planning\/\" data-dig-id=\"LP-LifeInsurance-14809-3e775e9d\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"estate plans\" class=\"rbc-link-format\">estate plans<\/a> (including tax protection and maximizing the value of your loved ones\u2019 inheritance).<\/p>\n\n\n\n<p>Begin by keeping the conversation simple and straightforward. Maintain a focus on the topic at hand, sharing the necessary details such as which provider you\u2019ve chosen for your policy and the name of your insurance and\/or financial advisor. <\/p>\n\n\n\n<p>Avoid getting \u201clost in the weeds\u201d with information that could feel like too much. For example, it\u2019s important for your beneficiaries to know that a life insurance policy payout isn\u2019t taxed, but it isn\u2019t as critical for them to understand the current <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/dividend-scale-and-participating-whole-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-14809-7afcfb3f\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"dividend scale interest rate\" class=\"rbc-link-format\">dividend scale interest rate<\/a> tied to the policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-tips-for-talking-to-your-family-about-life-insurance\">Tips for talking to your family about life insurance<\/h3>\n\n\n\n<p>Here are some ways to start the conversation with your family:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Reference an article you\u2019ve read about the importance of open communication in estate planning.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Kick off the conversation with a question. For example: \u201cDo you have investment or savings goals in mind for the money I\u2019ve set aside for you in my will?\u201d<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Start with an explanation of why it\u2019s important to you to know your family will be taken care of in the future and then list the steps you\u2019ve taken to ensure they are.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Reference current events and explain how they\u2019ve motivated you to thoroughly organize your estate.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Enter this discussion with an abundance of patience and sensitivity, and prepare ahead of time, so you have the information (such as policy numbers) at your fingertips. Be ready not only to speak, but also to listen.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-talk-about-the-beneficiary-or-beneficiaries-of-the-life-insurance-policy\">Talk about the beneficiary or beneficiaries of the life insurance policy<\/h2>\n\n\n\n<p>This may be the first conversation some of your loved ones have had about your estate planning and life insurance policies, and so you may need to explain some of the central terms and how they fit into the larger picture.<\/p>\n\n\n\n<p>For example, <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-is-a-life-insurance-beneficiary\/\" data-dig-id=\"LP-LifeInsurance-14809-9f8f4c7f\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"what is a life insurance beneficiary\" class=\"rbc-link-format\">what is a life insurance beneficiary<\/a> or beneficiaries? In relation to life insurance, a beneficiary is the person (or people, organization, or charity ) chosen to receive the policy death benefit. People often choose to have more than one beneficiary, and there are a few different types of beneficiaries as well. A primary beneficiary is the first in line to receive the death benefit; however, you might also want to name a contingent or secondary beneficiary (especially if your primary beneficiary is just one person). In the event that your primary beneficiary passes away before you do, the death benefit will be paid out to the contingent beneficiary or beneficiaries.<\/p>\n\n\n\n<p>Talking to your family about who your beneficiaries are (whether that\u2019s your spouse\/partner, your children and grandchildren, or a charity that\u2019s meaningful to you) will help them to understand your plans, reasoning, and intentions for this part of your estate.<\/p>\n\n\n\n<p>Having a conversation today will greatly reduce the possibility of unpleasant or confusing surprises in the future.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-happens-to-your-life-insurance-policy-after-you-die\">What happens to your life insurance policy after you die?<\/h2>\n\n\n\n<p>If you\u2019ve named a life insurance beneficiary or beneficiaries and equipped them with the information they need, the process of making a claim on your life insurance policy should be straightforward when you pass away. Once the claim is made, the process of paying out the death benefit can begin.<\/p>\n\n\n\n<p>To make a claim, your beneficiary will need:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your policy number<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A copy of your death certificate<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>A completed claim form<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>The time it takes for a life insurance policy death benefit to be paid out can vary. In Canada, beneficiaries can typically wait between 30 and 60 days, but under certain circumstances, payouts could take less or more time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-advise-your-family-on-who-is-helping-you-with-your-estate\">Advise your family on who is helping you with your estate<\/h2>\n\n\n\n<p>In addition to your insurance advisor (who can step in to assist your beneficiaries in making their claim), you may have other estate planning professionals helping to guide you. Their name, role, and contact details should be shared with your beneficiaries.<\/p>\n\n\n\n<p>Other professionals to include are:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Your lawyer, who will know and understand the content of your will, including your estate plan and other legal details.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your financial advisor, who may be able to support your beneficiary or beneficiaries in deciding where and how to invest the death benefit they receive.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Your accountant, who can inform your beneficiary or beneficiaries of the tax implications and cost of transferring your estate.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>If you have any additional professionals who are currently working with you to help manage your estate, it\u2019s wise to include their information as well.<a id=\"_msocom_1\"><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-share-a-copy-of-your-life-insurance-policy\">Share a copy of your life insurance policy<\/h2>\n\n\n\n<p>Conversations about estate planning can be tricky to navigate. They involve a lot of emotion and a lot of information\u2014the kind that may be unfamiliar to you and your loved ones. A reference document containing key contact information and instructions regarding your estate will be a valuable reference tool to leave for them. Your beneficiaries will also need a copy of your life insurance policy on hand when it\u2019s time to make their claim, and it may also be helpful for your family to have a copy to review at their own pace, when they feel ready.<\/p>\n\n\n\n<p><em>An RBC Insurance Advisor can help you protect your loved ones with the right life insurance coverage. Connect with us today to learn how.<\/em> <a href=\"https:\/\/services.rbcinsurance.com\/StoreAdvisorLocator\/\" data-dig-id=\"LP-LifeInsurance-14809-d530efd7\" data-dig-label=\"Find an advisor near you to get started\" data-dig-action=\"link click\" data-dig-category=\"LP-LifeInsurance\" class=\"rbc-link-format\">Find an advisor near you to get started<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs-about-life-insurance-conversations\">Frequently asked questions (FAQs) about life insurance conversations<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">How to start a conversation about life insurance?<\/h3>\n\n\n\n<p>Begin with why life insurance matters to you \u2014 protecting your family, paying off debts, or securing future goals. Keep your tone calm and reassuring. Explain that your goal is to make sure your loved ones are financially protected, not to discuss sensitive financial details.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-how-to-talk-to-parents-about-life-insurance\">How to talk to parents about life insurance?<\/h3>\n\n\n\n<p>When speaking to parents about life insurance, approach the topic with empathy and respect. Ask open-ended questions like, \u201cHave you thought about what kind of coverage would best protect you and the family?\u201d Offer to help them review their options with an<strong> <\/strong>Insurance Advisor who can guide them through the process without pressure.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-what-does-life-insurance-do-for-my-family\">What does life insurance do for my family?<\/h3>\n\n\n\n<p>Life insurance provides financial protection for your loved ones if you pass away. It helps replace lost income, cover household bills, pay for education, and reduce financial stress during a difficult time. A life insurance policy ensures your dependents are supported and can maintain financial stability long-term.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What is the best way to explain life insurance?<\/h3>\n\n\n\n<p>Explain life insurance in simple terms: it\u2019s a way to protect your loved ones financially if you pass away. The policy pays a lump-sum benefit, known as a death benefit, to your chosen beneficiaries. This money can help them cover living expenses, debts, and other essential costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Is it okay to share life insurance policy with friends?<\/h3>\n\n\n\n<p><em>It\u2019s best to keep your life insurance policy details private. You don\u2019t need to share information like payout amounts, beneficiary names, or policy numbers with friends. Those details should only be shared with your beneficiaries, insurance advisor, lawyer, or trusted family members who may need to help manage your estate.<\/em><\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-life-insurance\">RBC Life Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Protect Your Loved Ones With Dependable Life Insurance.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn is-style-primary primary\"><a class=\"wp-block-button__link has-text-lg-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-283-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" 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\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-2e722b97-d183-4f85-beb2-a4d4dc87df0e {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-2e722b97-d183-4f85-beb2-a4d4dc87df0e {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-2e722b97-d183-4f85-beb2-a4d4dc87df0e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Talking with your family about life insurance can help prepare your loved ones to better manage the financial aspects of your estate.<\/p>\n","protected":false},"author":128,"featured_media":31380,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"tags":[4],"article-type":[80],"ppma_author":[190],"class_list":["post-14809","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-life-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Talk About Life Insurance with Your Family | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Learn how to talk about life insurance. 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