Short answer
Hamilton families should add the mortgage or rent, the income the household needs and future costs like school, then subtract savings and work coverage. The family protection calculator turns that into your number in about two minutes.
Run your number The family protection calculator shows how much your family would need and what is missing today. No-cost, no obligation.
First homes and moving in from the GTA
Many families have bought their first home in Hamilton, sometimes moving from Toronto or Peel. A new mortgage is one of the clearest reasons to put coverage in place. See mortgage protection vs term life before you say yes at the bank.
Hospital, university and shift workers
Hamilton has a large health care and education workforce, plus manufacturing and trades. Many of these jobs come with group benefits. Check how much life and disability coverage you have and what happens if you change roles.
Self-employed and trades
If you work for yourself, there is no group plan behind you. Your own coverage is the plan. Start with the family number, then look at disability and critical illness coverage too.
Meeting in Hamilton or by video
Jackson is next door in Burlington. Reviews can happen in person, over video or by phone at 905-320-2042.
Frequently asked questions
I am self-employed in Hamilton. Where do I start?
Start with your family's number, then look at disability and critical illness coverage, since there is no group plan behind you.
Should I get life insurance when I buy my first home?
A new mortgage is a common time to put coverage in place. Compare lender mortgage insurance with a personal term policy first.
Do you work with one insurance company?
No. Jackson compares multiple insurance, segregated fund and benefits companies, so you can see options side by side.
Is the person I talk to licensed?
In Ontario, life insurance agents are licensed by FSRA. You can confirm any agent's licence on FSRA's Licensing Link before you meet.
Sources and further reading
This page is general education, not personal advice. Rules can change, so check the official sources above. In Ontario, life insurance quotes are prepared by a licensed life insurance agent.