{"id":31361,"date":"2025-10-15T14:20:31","date_gmt":"2025-10-15T18:20:31","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=31361"},"modified":"2025-10-15T14:28:02","modified_gmt":"2025-10-15T18:28:02","slug":"whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll","title":{"rendered":"What\u2019s the plan when life happens? Most Canadians don\u2019t have one: RBC Insurance poll"},"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\">What\u2019s the plan when life happens? Most Canadians don\u2019t have one: RBC Insurance poll<\/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=\"2025-10-15T14:20:31-04:00\">October 15, 2025<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">4 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\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128\" alt=\"RBC Insurance\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">RBC Insurance<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div 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=What\u2019s the plan when life happens? Most Canadians don\u2019t have one: RBC Insurance poll &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll\">\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\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll\">\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<\/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<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>91% of Canadians don\u2019t have critical illness insurance, despite widespread concern<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Nearly one in three say their savings would run out in six months if they faced a major health setback<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Four in ten Canadians report limited or no understanding of critical illness insurance<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>TORONTO, Oct. 15, 2025 \u2014 <\/strong>While Canadians often take the time to consider protection plans for their phones, appliances and vacations, most remain uninsured against life\u2019s biggest financial shocks, according to a new survey from RBC Insurance. The findings reveal a troubling gap between Canadians\u2019 perception of the importance of insurance and their actual coverage.<\/p>\n\n\n\n<p>While 58% of Canadians say life insurance is important, only 39% actually have a policy, revealing a 19-point gap. The disconnect is even greater for other types of protection:<\/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>Disability insurance: 31% say it\u2019s important, yet only 10% are covered<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Critical illness insurance: 29% say it\u2019s important, yet only 9% are covered<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>\u201cThese numbers reveal a simple truth: Canadians know insurance matters, but far too many don\u2019t have a plan in place,\u201d said Adam Mamdani, Vice President at RBC Insurance. \u201cPeople will take the time to consider a warranty on a new phone, but what about protection for their health and ability to earn an income? Without it, families risk financial hardship at the very moment they need security most.\u201d<\/p>\n\n\n\n<p><strong>Rising concerns, limited preparedness<\/strong><\/p>\n\n\n\n<p>Despite only 9% holding critical illness insurance, more than half of Canadians (57%) are concerned about becoming seriously ill from conditions like cancer, heart attack, or stroke. Concerns are especially high among women and younger Canadians, many of whom fear their savings would run out in just six months if illness struck.<\/p>\n\n\n\n<p><strong>Myths and misunderstandings are a barrier<\/strong><\/p>\n\n\n\n<p>The survey also revealed widespread confusion about how insurance works:<\/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>Less than half (46%) understand that life insurance isn\u2019t just for final expenses<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Only 26% know that a critical illness benefit can be used for anything, from mortgage payments to childcare<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>One-quarter (24%) know a critical illness claim can be made while continuing to work<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>\u201cThese myths and misconceptions are a major barrier,\u201d said Mamdani. \u201cMany Canadians believe coverage is too expensive, or that claims won\u2019t be paid, when in reality, purchasing insurance early can lock in affordable protection for the long term.\u201d<\/p>\n\n\n\n<p><strong>It all starts with a plan<\/strong><\/p>\n\n\n\n<p>While insurance can\u2019t erase uncertainty, having the right plan can make all the difference in the case of serious illness or unforeseen circumstances. Canadians are encouraged to speak with their financial or insurance advisor to help answer a simple question: What\u2019s the plan to ensure my family is protected?<\/p>\n\n\n\n<p>To learn more, visit <a href=\"https:\/\/www.rbcinsurance.com\/\" data-dig-id=\"LP-Newsroom-31361-f9b8196a\" data-dig-category=\"LP-Newsroom\" data-dig-action=\"link click\" data-dig-label=\"rbcinsurance.com\" class=\"rbc-link-format\">rbcinsurance.com<\/a>.<\/p>\n\n\n\n<p><strong>About the RBC Insurance Survey<\/strong><\/p>\n\n\n\n<p>These are some of the findings from an Ipsos poll conducted on behalf of RBC Insurance. The survey was conducted in English and French. A sample of 2,001 Canadians ages 18+ were surveyed online via the Ipsos I-Say panel between August 18-21, 2025. The precision of online polls is measured using a credibility interval. In this case, the results are accurate to within \u00b1 2.7 percentage points, 19 times out of 20, of what the results would have been had all Canadian adults been surveyed.<\/p>\n\n\n\n<p><strong>About RBC Insurance<\/strong><\/p>\n\n\n\n<p>RBC Insurance<sup>\u00ae<\/sup> offers a wide range of life, health, home, auto, travel, wealth, group benefits, annuities and reinsurance advice and solutions, as well as creditor and business insurance services to individual, business and group clients. RBC Insurance is the brand name for the insurance operating entities of Royal Bank of Canada, Canada&#8217;s biggest bank and one of the largest in the world, based on market capitalization. RBC Insurance has over 2,700 employees who serve nearly 5 million clients globally. For more information, please visit <a href=\"https:\/\/www.rbcinsurance.com\/\" data-dig-id=\"LP-Newsroom-31361-e0f6215c\" data-dig-category=\"LP-Newsroom\" data-dig-action=\"link click\" data-dig-label=\"rbcinsurance.com\" class=\"rbc-link-format\">rbcinsurance.com<\/a>.<\/p>\n\n\n\n<p><strong>Media contact:<\/strong><\/p>\n\n\n\n<p><a href=\"mailto:cody.medwechuk@rbc.com\" data-dig-id=\"LP-Newsroom-31361-0f38f8a2\" data-dig-category=\"LP-Newsroom\" data-dig-action=\"link click\" data-dig-label=\"Cody Medwechuk\" class=\"rbc-link-format\">Cody Medwechuk<\/a>, RBC Insurance Corporate Communications<\/p>\n\n\n\n\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":196,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[100],"tags":[],"article-type":[80],"ppma_author":[181],"class_list":["post-31361","post","type-post","status-publish","format-standard","hentry","category-newsroom","article-type-advice-learning"],"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>What\u2019s the plan when life happens? 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