Free Canadian insurance literacy · Verified July 2026
Meet Robert.
Tame Your Coverage.
Understand what you have, what it is worth, and where you are exposed — free calculators and a private policy binder. No quotes. No product pitches. No signup.
Robert is a mascot, not a licensed insurance advisor.
Why Canadians trust Robert
Always free. Always Canada-only. Your binder stays on your device — no account required for any core tool.
Audit, don't sell
We answer what you have, what it is worth, and where gaps hide — never which product to buy.
Education, not advice
Math and plain language only. Insurance advice requires a provincial licence; we stop at the bright line.
Verified & private
Figures stamped Verified July 2026. Tools run in your browser — no accounts, and nothing leaves your device.
Robert's toolbox
Free Canadian calculators and a private policy binder — no signup.
Life Insurance Needs
LiveDIME, income replacement, and human capital — compare methods, not products.
Open toolDisability Gap
LiveStack EI, CPP-D, group LTD, and personal DI month-by-month.
Open toolMortgage Life vs Term
LiveDeclining benefit at level premium vs personal term — you enter the quotes.
Open toolCritical Illness Need
LiveIncome bridge, treatment budget, and assets — size a CI gap.
Open toolTerm Ladder
LiveStack 10/20/30 year rungs against a declining need curve.
Open toolDeductible Optimizer
LiveBreak-even years and expected cost of higher deductibles.
Open toolTravel Medical
LiveProvincial out-of-country gaps, stability clauses, and snowbird day counts.
Open toolWhat-If Simulator
LiveDisability, death, home loss, or emergency abroad — step by step.
Open toolPolicy Beast Binder
LiveInventory every policy, spot the gaps, and print an Emergency Binder.
Open tool
Why trust us
Every government figure comes from a single, dated source list — each with a link to where it came from. We never make numbers up.
CPP Disability max (2026)
$1,741.20/mo
EI sickness max (2026)
$729/wk
Assuris death benefit
$1M or 90%
Verified July 2026. Read the methodology.
Claims & Fight-Back Kit
Denied or stalled? Playbooks for the first 30 days, documentation checklists, and escalation ladders — province-aware as content lands.
Ready to tame your coverage?
Free forever. Privacy-first. Built for Canadian rules — life, disability, home, auto, and travel.
Robert is a mascot, not a licensed insurance advisor. Educational estimates only — see disclaimer.