Most families are either over-insured in the wrong products or dangerously under-protected. Our analysis-first approach identifies your exact coverage gap — and fills it at the lowest possible cost, using the DIME method and real underwriting data from 6 major carriers.
Advisors earn commission on what they sell. The most profitable products are rarely the ones you need most. Here's what the data shows.
Of Canadian families carry insufficient life insurance coverage relative to their actual income replacement needs, mortgage obligations, and dependent care costs.
Average difference in 20-year wealth accumulation when a family buys whole life instead of term + TFSA. The commission on whole life is 5–10x higher for the advisor.
Canadians will face a disability lasting 90+ days before retirement. Yet disability insurance is the most neglected coverage — because it pays the lowest commission.
All outstanding liabilities: mortgage, car loans, lines of credit, credit cards. Cleared on day one of a claim.
10× annual income to replace your earning power — adjusted for your actual marginal tax rate and investment return assumptions.
Full remaining balance — not just current payments. Ensures your family stays in their home regardless of what happens.
Projected post-secondary costs for all dependents, including inflation. Covers what RESP alone cannot guarantee.
Most online calculators use a simple income multiplier. DIME-Plus layers in your actual tax situation, existing assets, inflation projections, and spousal income sensitivity to generate a precise gap number — not a ballpark.
We then run that gap through live underwriting scenarios from 6 carriers to find the lowest-cost structure that fills it completely.
Average coverage gap identified: $840,000 above what clients originally thought they needed. Average premium to fill it: $112/month using a term policy vs. $490/month for the equivalent whole life recommendation they'd received elsewhere.
Term insurance is pure protection — it pays your beneficiary a tax-free lump sum if you die within the term. No investment component, no complexity, no conflict. Just the coverage your family needs at the lowest possible cost.
At WealthFusions, term is our default recommendation for any client with dependents, a mortgage, or income that others rely on. We run quotes from 6 carriers simultaneously and model the premium difference invested in a TFSA or RRSP.
Whole life is not the right product for most families — but it is the right product for specific situations. We recommend it without hesitation when the math supports it: high-net-worth estate planning, creditor protection for business owners, and as a tax-sheltered vehicle for clients who have maxed all registered accounts.
If you're under 60 and working, your future earnings dwarf your current investment portfolio. A disability that ends your career is financially catastrophic — yet only 32% of Canadians have adequate coverage. We analyze both group benefits (through your employer) and personal disability policies to close the gap.
Disability insurance replaces your income if you can't work. Critical illness pays a tax-free lump sum the moment you're diagnosed with a covered condition — regardless of whether you can work. It covers the out-of-pocket costs, home modifications, experimental treatments, and lost time that disability insurance doesn't touch.
We review all existing policies — employer benefits, personal coverage, mortgage insurance — and map the real gaps.
We calculate your exact coverage gap using your income, debts, dependents, and goals — not a generic multiplier.
We run live quotes from 6 major carriers simultaneously and model the full 20-year cost of each option.
Your coverage needs change with life events. We trigger automatic reviews at marriage, children, mortgage changes, and income shifts.
A 34-year-old teacher and contractor husband with 2 kids under 5. Zero life insurance. One accident away from financial crisis — and they had no idea. WealthFusions ran a DIME-Plus analysis and found a $2M gap that their previous advisor had dismissed as "something to think about later."
Book a 45-minute strategy session. We'll run a full DIME-Plus analysis on your situation and tell you exactly what you need — with no obligation and no commission pressure.