Free Tool

Ontario Life Insurance Help — $5 Seniors Rate

Paste your life policy below for a free instant scan · optional $5 PDF copy for Seniors Hub visitors

Paste the wording from your life insurance policy (or your annual statement) and this scans it for 6 terms worth understanding before you rely on the coverage, then generates a letter you can send your insurer or broker. The scan and the letter are free — there’s an optional $5 PDF copy if you’d like a saved, printable version.

✓ 100% client-side — your policy text is scanned in your browser and never uploaded anywhere
✓ Plain-language explanation for each flagged item
✓ Free on-screen results, with an optional $5 PDF copy

How it works

Paste → Scan → Ask your insurer. A 6-point client-side scan in under 2 seconds.

01 Paste policyCopy the wording from your policy or annual statement. We never store it.
02 Scan 6 termsKeyword and pattern detection for common terms worth double-checking.
03 Insurer letterAuto-generates a letter listing what to confirm with your insurer.

Nothing you paste is uploaded or stored — the scan runs entirely in your own browser. For information only, not insurance advice.

0 possible issues 6 checked clean

Your Insurer Letter


          


          

            
Want a saved copy?

            
Get a downloadable PDF of your scan results and letter for $5 (Seniors Hub rate — regular price is $8 at LeaseAiDetector.com). $5 + HST via Stripe’s secure checkout.

            Get PDF Copy — $5 Seniors Rate
            
          

        


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          Also free to scan:
          Apartment Lease
          Car Lease
          Home Insurance
          Car Insurance
        

      


      
What the scan checks for (6 terms)

      
    
        
  1. 2-year contestability/waiting period — make sure your application was fully accurate
    2. 
        
  2. Scheduled premium increases — ask whether a level-premium option exists
    3. 
        
  3. No cash value (term policy) — normal for term, but confirm you know which type you have
    4. 
        
  4. Coverage ends at age 80 — ask about converting to permanent coverage before it expires
    5. 
        
  5. High policy loan interest — understand the terms before borrowing against a policy
    6. 
        
  6. Pre-existing condition exclusion — check exactly what’s excluded and for how long
    7. 
      


      
Worth double-checking either way

      
These aren’t things a policy scan can detect from pasted text — they’re common items worth confirming regardless of what the scan finds.

      

      
FAQ

      

        
Is this insurance advice?
No. Life Insurance Help is for information only. It flags wording worth confirming with your insurer.

        
Does it work for any insurer?
Yes — the scan looks for common policy language, not a specific insurer’s wording.

        
Is HST included?
No — the $5 PDF copy is $5 plus HST, collected automatically by Stripe at checkout ($5.65 total).

      


      
This tool uses the same scanning engine as our sister site, LeaseAiDetector.com →