{"id":32793,"date":"2025-12-19T11:01:51","date_gmt":"2025-12-19T16:01:51","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=32793"},"modified":"2026-08-27T13:42:36","modified_gmt":"2026-08-27T17:42:36","slug":"what-does-life-insurance-cover","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-does-life-insurance-cover","title":{"rendered":"What Does Life Insurance Cover?"},"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 Does Life Insurance Cover?<\/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=\"2025-12-19T11:01:51-05:00\">December 19, 2025<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">10 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\/Fiona-Campbell.webp?quality=80&w=1024\" alt=\"Fiona Campbell\">\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\">Fiona Campbell<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-guide-1.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What does life insurance cover?\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-guide-1.webp 1074w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-guide-1.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-guide-1.webp?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/life-insurance-guide-1.webp?resize=1024,683 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/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 Does Life Insurance Cover? &#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\/what-does-life-insurance-cover\" aria-label=\"Email\">\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\/what-does-life-insurance-cover\" aria-label=\"Copy URL\">\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\">What life insurance covers<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-life-insurance-covers\">What life insurance covers<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-life-insurance-does-not-cover\">What life insurance does not cover<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-factors-affect-what-life-insurance-will-cover\">What factors affect what life insurance will cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-life-insurance-that-covers-your-needs\">How to choose life insurance that covers your needs<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-make-sure-your-life-insurance-covers-what-matters-most\">Make sure your life insurance covers what matters most<\/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>No one likes to think about the unexpected, but preparing for it with the right life insurance can help you protect the people who matter most. And you\u2019re in good company as a growing number of Canadians are realizing that life insurance isn\u2019t only necessary later in life, rather it gives you peace of mind today. In fact, a record <a href=\"https:\/\/www.clhia.ca\/web\/CLHIA_LP4W_LND_Webstation.nsf\/resources\/Factbook2024\/$file\/CLHIA-2024Facts.pdf\" target=\"_blank\" data-dig-id=\"LP-LifeInsurance-32793-b9dce024\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"23 million\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">23 million<\/a> Canadians now have life insurance, according to the Canadian Life &amp; Health Insurance Association (CLHIA).<\/p>\n\n\n\n<p>With so many Canadians relying on life insurance, understanding both what a policy can and cannot cover. In this article, we&#8217;ll explain what life insurance covers, what life insurance doesn&#8217;t cover and how to choose a life insurance policy that covers your needs.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways<\/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><strong>Life insurance covers <\/strong>financial needs such as replacing income paying debts or a mortgage, covering funeral expenses, supporting estate planning, maintaining business continuity and charitable giving.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Life insurance doesn&#8217;t cover <\/strong>every situation. A claim may be declined because of fraud or misrepresentation, an excluded cause of death, a risky activity or occupation, or a lapsed policy.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>What life insurance covers<\/strong> depends on the type of policy and the terms, conditions and exclusions in the insurance contract.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-life-insurance-covers\">What life insurance covers<\/h2>\n\n\n\n<p>While the specifics of what life insurance covers varies depending on the <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/types-of-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-32793-d504f8ab\" 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 choose, life insurance provides your beneficiaries with a tax-free lump sum of money called a death benefit. That amount can vary greatly; depend on the policy and terms you choose.<\/p>\n\n\n\n<p>There\u2019s no restriction on how the death benefit can be used, but here are some of the things it can help cover:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Income replacement<\/h3>\n\n\n\n<p>When creating a family budget, you typically include the income sources of both you and your spouse or partner. If you were to pass away unexpectedly, that income would disappear. Life insurance can help replace lost income. Not sure protection you need? It\u2019s a good rule of thumb to have at least five to 10 times your yearly income in life insurance coverage.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-debt-and-mortgage-protection\">Debt and mortgage protection<\/h3>\n\n\n\n<p>When you die, your estate is responsible for paying off any outstanding debt, such as your mortgage, or consumer loans \u2013 like credit cards. If a loan is co-signed, such as a joint mortgage with a spouse, the surviving cosigner assumes full responsibility for the debt. A life insurance payout can ensure your family or estate is not burdened with debt obligations.<strong><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Funeral expenses<\/h3>\n\n\n\n<p>Life insurance can help cover end-of-life expenses, which can run into thousands of dollars. While <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/funeral-insurance-vs-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-32793-4df3f17f\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"funeral insurance\" class=\"rbc-link-format\">funeral insurance<\/a> is one option, guaranteed acceptance life insurance can be used other expenses in addition to funeral costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-estate-planning\">Estate planning<\/h3>\n\n\n\n<p>As long as you designate a beneficiary (or beneficiaries) on your life insurance policy, the death benefit is paid out tax-free, ensuring more of your inheritance goes to your loved ones. If your estate has a large tax bill, such as capital gains tax on a secondary residence, a life insurance payout can help cover that cost.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Business continuity<\/h3>\n\n\n\n<p>If you co-own a business with another partner (or partners), life insurance through a buy-sell agreement helps provide funds for the remaining partners to purchase your share, thereby ensuring business continuity and a seamless succession after your death.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Charitable giving<\/h3>\n\n\n\n<p>Life insurance can be an effective way to leave a charitable gift as part of your estate plan. You can either name the charity as both the beneficiary and owner or name the charity as beneficiary but retain ownership of the policy. If you choose to retain ownership, it provides your estate with a charitable donation receipt upon your death, which could help with reduce taxes owed by your estate.<strong><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-life-insurance-does-not-cover\">What life insurance does not cover<\/h2>\n\n\n\n<p>As we\u2019ve explained life insurance provides coverage in the form of a death benefit once you pass away. On the most part, life insurance companies do pay out a death benefit, however there are reasons why it could be declined.<\/p>\n\n\n\n<p>That\u2019s why it\u2019s important to understand what life insurance does not cover, so you have peace of mind knowing you and your family are protected.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Fraud or misrepresentation<\/h3>\n\n\n\n<p>It is essential to answer truthfully and completely when applying for life insurance, even if it results in a higher premium. Failing to do so could result in your policy not being paid out upon your death, depending on the circumstances. Examples of insurance misrepresentation include:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Not disclosing that you\u2019re a smoker \u2013 keep in mind, smoking also includes tobacco, e-cigarettes, and nicotine products.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Failing to mention a pre-existing health condition, such as heart disease or diabetes<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Falsifying personal details, such as lying about your age or lifestyle<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Providing an incomplete medical history, such as omitting a consultation with a specialist or a stroke from 10 years ago<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Every cause of death<\/h3>\n\n\n\n<p>Life insurance policies typically will not pay out if the policy holder dies by suicide within two years of the coverage date. Accidental death benefits may not be paid out if you die while committing a crime or provoked assault, or if your death is related to chronic alcohol or drug use, such as driving while impaired.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Risky activities or hobbies<\/h3>\n\n\n\n<p>Extreme activities or hobbies, such as skydiving or scuba, or high-risk occupations, are often excluded. You may be able to secure life insurance, but pay a higher premium or have a lower coverage amount. A payout may also be denied if death is related to these types of risks.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pre-existing conditions<\/h3>\n\n\n\n<p>Depending on the policy you purchase, pre-existing conditions may not be covered, particularly if you die within a certain period after purchasing the insurance, such as 12 months, and if your death is related to that condition.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Policy lapsed due to a missed payment<\/h3>\n\n\n\n<p>Your policy is in effect as long as you continue paying the premiums, typically monthly or annually. If you miss a payment, your insurer may allow a grace period (say, 31 days) to make the back payment before the policy terminates. If you died after that date without any attempts to reinstate the policy or take out a new one, then the death benefit will not be paid.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-factors-affect-what-life-insurance-will-cover\">What factors affect what life insurance will cover?<\/h2>\n\n\n\n<p>When you purchase life insurance, it\u2019s important to understand both the extent and limitations of coverage available.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Policy terms and conditions<\/h3>\n\n\n\n<p>While all life insurance policies pay out a lump sum upon your death, terms and conditions differ between insurers and the specific product you choose. It\u2019s important to read the fine print (or work with a licensed insurance professional) to understand the coverage you\u2019ll receive.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Riders and add-ons<\/h3>\n\n\n\n<p>Many life insurance policies allow you to add optional coverage, which can increase the scope of protection, for an additional cost. Common riders and add-ons include:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Children<\/strong>\u2019<strong>s term rider:<\/strong> Provides term life coverage for your child<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Accidental death benefit rider:<\/strong> Pays out an additional benefit if you die due to an accident<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Total disability rider: <\/strong>A rider that waives your monthly premiums if you have been totally disabled for six months.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Your health and lifestyle<\/h3>\n\n\n\n<p>When assessing the risk of insuring you, insurance companies&nbsp;considering factors such as your age (the younger you are, the cheaper the policy), your health, and your habits and lifestyle (smoker versus non-smoker). The higher your perceived risk, the higher your premium tends to be.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-life-insurance-that-covers-your-needs\">How to choose life insurance that covers your needs<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large pad-t-hlf mob-pad-t-hlf\"><img loading=\"lazy\" decoding=\"async\" height=\"683\" width=\"1024\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/guide-life-insurance-2.webp?quality=80&amp;w=1024\" alt=\"A happy young couple are sitting on a bed as the mother is playing with her toddler (boy), now that they know they have Life Insurance coverage.\" class=\"wp-image-32792\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/guide-life-insurance-2.webp 1074w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/guide-life-insurance-2.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/guide-life-insurance-2.webp?resize=768,512 768w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/guide-life-insurance-2.webp?resize=1024,683 1024w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">A happy young couple are sitting on a bed as the mother is playing with her toddler, now that they know they have Life Insurance coverage.<\/figcaption><\/figure>\n\n\n\n<p>Making the decision to <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/\" data-dig-id=\"LP-LifeInsurance-32793-dfd0a48f\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"buy life insurance\" class=\"rbc-link-format\">buy life insurance<\/a> is sometimes the hardest part\u2014but once you take that first step, finding the right coverage shouldn\u2019t have to be complicated.<\/p>\n\n\n\n<p>Here are some tips to get you started:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Assess your needs<\/h3>\n\n\n\n<p>Start by calculating how much coverage you might need. To do this, consider your current income, debt, and future expenses (such as buying a home, or paying for your children\u2019s education). Online <a href=\"https:\/\/www.rbcinsurance.com\/life-insurance\/life-insurance-calculator\/index.html\" data-dig-id=\"LP-LifeInsurance-32793-67a99ef9\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"life insurance calculators\" class=\"rbc-link-format\">life insurance calculators<\/a> can help you get started with an estimate. If you require more insurance than you can currently afford, you can always increase your coverage when your budget allows or layer more than one policy to protect you in the years when you need it most.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Compare policies<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/life-insurance\/compare-life-insurance\/\" data-dig-id=\"LP-LifeInsurance-32793-f24d6299\" data-dig-category=\"LP-LifeInsurance\" data-dig-action=\"link click\" data-dig-label=\"Compare\" class=\"rbc-link-format\">Compare<\/a> different types of life insurance to assess coverage amounts, how the premiums work, and whether there is any cash value to the policy. If you have questions or are unsure, an accredited life insurance advisor can provide additional guidance and answer your questions.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-customize-your-policy\">Customize your policy<\/h3>\n\n\n\n<p>Riders and optional benefits, such as accidental death, total disability waiver, or a children\u2019s term rider, help add an extra level of financial security based on your personal situation and needs. <em><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-be-honest\">Be honest<\/h3>\n\n\n\n<p>Be sure to answer all questions honestly, especially if you\u2019re a smoker. If your insurer discovers that you incorrectly stated, misrepresented or failed to disclose what\u2019s called a \u201cmaterial fact,\u201d your policy can be considered void. <strong><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-review-and-update-your-policy\">Review and update your policy<\/h3>\n\n\n\n<p>Your policy typically includes a money-back cancellation period (usually 10 or 30 days), giving you time to review the fine print. It\u2019s also important to revisit your insurance coverage after major life events, such as getting married, buying a house, having a child or retiring, to ensure your coverage is still compatible with your lifestyle and needs. <em><\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Communicate with your beneficiaries<\/h3>\n\n\n\n<p>Your death benefit isn\u2019t automatically paid out when you die; instead, your beneficiary must file a claim. Whether it\u2019s your spouse, business partner or family member, tell them about the policy and share key details such as the type of life insurance (term or whole life), the insurer, policy number and how to contact your insurance advisor. While this may feel like an awkward conversation, it will make it easier for your beneficiary to access a payout when needed.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-make-sure-your-life-insurance-covers-what-matters-most\">Make sure your life insurance covers what matters most<\/h2>\n\n\n\n<p>Taking a proactive approach to life insurance affords you the opportunity to build a plan now that will protect your loved ones in the future. While life insurance can cover a variety of needs \u2013from paying off debt, funding everyday expenses, and saving for the future \u2013 there are some limitations for applicants with preexisting conditions or with risky hobbies or careers.<\/p>\n\n\n\n<p>However, with many products on the market, there should be a life insurance policy to suit your needs and financial goals. A licensed life insurance advisor can walk you through your options to ensure you select a policy that aligns with your circumstances, budget, and long-term plans. By taking the time to choose the right coverage today, you can secure your family\u2019s financial figure and enjoy greater peace of mind for years to come.<\/p>\n<\/div>\n<\/section>\n\n\n\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<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 section-ads\" 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<\/div>\n<\/section>\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-10384-2de7ba0a\" data-dig-category=\"LP\" 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. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/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<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance in Canada is a broad topic. This guide helps you understand different types of life insurance, who needs life insurance, and how to choose the right policy. <\/p>\n","protected":false},"author":208,"featured_media":32791,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[54],"tags":[202,3,4],"article-type":[80],"ppma_author":[186],"class_list":{"0":"post-32793","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-life-insurance","8":"tag-complexity","9":"tag-family","10":"tag-life-insurance","11":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What Does Life Insurance Cover? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Learn what life insurance covers in Canada, what life insurance doesn&#039;t cover, and how to choose the best life insurance to cover your needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/life-insurance\/what-does-life-insurance-cover\/\" \/>\n<meta property=\"og:locale\" content=\"en_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Does Life Insurance Cover? 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