Explore Our Insurance Learning Centre in Ontario
Life Insurance
Understand term and permanent insurance, workplace coverage, beneficiaries, simplified and no-medical options and how much protection you may actually need.
Disability & Income Protection
Learn how disability insurance, workplace benefits and WSIB work — and what could happen to your income if an illness or injury keeps you from working.
Business Protection
Straightforward information about key person insurance, business overhead coverage, buy-sell funding and protecting an owner-operated business.
Featured Insurance Guides
Is WSIB Enough If You’re Self-Employed?
WSIB can provide important protection, but does it replace the income you actually need if an injury keeps you from working? See how WSIB and personal disability insurance differ.
What Does No-Medical Life Insurance Actually Mean?
No-medical doesn’t always mean no questions. Learn how simplified and no-medical life insurance works, who it may suit, and how it differs from traditional coverage.
Disability Insurance vs. Critical Illness Insurance
Both can provide financial protection when your health changes, but they work differently. Learn what each type of coverage is designed to do.
Life Insurance Through Work vs. Personal Life Insurance
Your employer may already provide life insurance. Learn what happens if you change jobs, how workplace coverage differs from personal insurance, and where gaps can occur.
Does Life Insurance Go Through Probate in Ontario?
Life insurance can often be paid directly to a named beneficiary without passing through the estate. Learn how beneficiary designations work and why the details matter.
Life Insurance Calculator
See what life insurance could cost and compare available rates from multiple Canadian insurers. Learn what affects your premium, how much coverage you may need, and what to consider beyond price.
Non-Medical Life Insurance Underwriting in Canada
What does “no medical” really mean? Learn how non-medical underwriting works, what insurers may ask about, and the difference between simplified and guaranteed issue coverage.
About
Tony Sytsma
I help Ontario contractors, tradespeople, self-employed professionals and families protect their income and the people who depend on them. As an independent advisor with Blue Harbour Financial, I compare life, disability and critical illness insurance solutions from multiple Canadian insurance companies to help you find coverage that fits your needs, priorities and budget.