Know Your Coverage
In-depth articles on every coverage type — written in plain language so you can make confident, informed decisions about protecting what matters most.
Sound Advice™ — Insuring Your Financial Journey
Honest Insurance Insights
Plain-language guides that answer the questions Canadians are actually searching.
Life InsuranceHow Much Life Insurance Do I Need? (A Real Calculator Guide)
Skip the guesswork with our step-by-step paper calculator guide using the DIME formula and income rules.
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Policy ComparisonTerm vs Whole Life Insurance: The Honest Comparison Nobody Gives You
An honest comparison covering costs, pros, cons, and the trending wealth-building angle so you can choose wisely.
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Wealth StrategyUsing Life Insurance to Build Wealth: What Nobody Tells You
How cash value works, the tax advantages, who benefits, and the risks nobody talks about.
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Pet InsuranceIs Pet Insurance Worth It? A Real Cost Breakdown
Real costs, what's covered, what's not, and when pet insurance pays off (and when it doesn't).
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Juvenile InsuranceJuvenile Life Insurance: The Gift That Grows With Your Child
Lock in lifelong insurability, build tax-advantaged cash value, and give a head start no adult policy can replicate.
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Keeping You Safe
A 7-part series on identity theft, fraud prevention, and what to do if you're a victim.
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Insurance in the News
Stats, trends, and insights — refreshed weekly with Canadian-relevant data.
Canadian Households Face Growing $86,000 Life Insurance Shortfall
A MyChoice report reveals Canadian households carry an average 14.5% life insurance protection gap, holding roughly $509,000 compared to the recommended $595,000. In Ontario, the shortfall exceeds 30%, driven by elevated mortgage debt and a shift toward higher-end permanent policies. — MyChoice Financial & CLHIA Data (2026)
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Join the NSP INC Member Area
Create a free account to get full access to every calculator, in-depth coverage guides, and the NSP INC newsletter — a complimentary resource for our clients and contacts.
- Full access to all 5 insurance calculators
- Complete in-depth coverage guides
- NSP INC member newsletters & market insights
- Exclusive tips from your advisor
Sound Advice™ — free to join, always.
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