Most Canadian families have gaps in their financial protection — and don't know it until something goes wrong. This quiz checks all six layers: your emergency fund, disability, life insurance, health coverage, home protection, and whether your coverage is keeping up with your life.
✓ 7 quick questions
✓ Personalised gap report
✓ Free — no sales pitch
Your situation
What best describes your household right now?
This helps us personalise your results to your actual stage of life.
Layer 1 — Emergency Fund
If a $2,000 unexpected expense hit today, how would you handle it?
A dental bill, car repair, appliance failure — something real and urgent.
Layer 2 — Disability Insurance
If you couldn't work for 3 months due to illness or injury, what would happen?
1 in 3 Canadians will be disabled for 90+ days before age 65. This is the most overlooked protection gap in Canada.
Layer 3 — Life Insurance
If you died tomorrow, what would happen to the people who depend on you financially?
Think mortgage, childcare, income replacement — the full picture.
Layer 4 — Health & Critical Illness
How are you covered for dental work, prescriptions, and extended health costs?
Provincial health doesn't cover dental, most prescriptions, vision, or paramedical services for most working-age Canadians.
Layer 5 — Home & Property
If your home or apartment was damaged by fire, flood, or broken into — are you covered?
Your landlord's insurance does not cover your belongings. Tenant insurance starts at ~$20/month.
Layer 6 — Life Stage Planning
When did you last review your insurance coverage?
Major life events — a new baby, a home purchase, a job change — can leave your existing coverage significantly out of date overnight.
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Your personalised gap report is ready.
Enter your name and email to see your results — including your primary coverage gap, your full six-layer scorecard, and your recommended next steps.
Your report includes:
Your primary coverage gap and why it matters
A full scorecard across all 6 protection layers
Specific next steps tailored to your answers
Recommended articles for your gaps
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Your Coverage Gap Report
Here's where your family stands.
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out of 14
Your full 6-layer scorecard
Recommended reading for your gaps
Take the next step.
Download the free Family Protection Checklist — 30 things every Canadian parent needs in place across all six layers.