WealthPillar · Free calculators

Insurance calculators

Six free calculators for families and business owners in Ontario. Each one works out a need in dollars from your own numbers, shows how it got there, and runs entirely in your browser. Nothing you type is sent or saved.

For families

• Life insurance needsIncome for your family, the mortgage, debts and education, minus what you already have.
• Critical illnessThe lump sum to cover a year or two of recovery and the costs health plans skip.
• Disability incomeYour monthly gap if illness or injury stops you working, after any group benefit.

For business owners and estates

• Key person insuranceWhat your company would lose if the person it depends on died.
• Buy-sell insuranceCover on each shareholder so the others can buy their shares at the agreed price.
• Estate tax and probateTax on RRSPs and capital gains at death, plus Ontario probate.

How to use the results

A calculator gives you a number to start from, not a recommendation. The right amount and type of cover also depend on your health, your budget, what you already own and how long each need lasts. If you would like to talk a number through, bring it to a free review. We explain the options in plain language and you decide.

For more reading, see our guides and the FAQ.

Book a free review or WhatsApp +1 942-667-7723

General education only. Not individualized insurance, financial, tax or legal advice. Figures use 2026 rates and are estimates. All coverage is subject to underwriting and the terms of the policy. WealthPillar is paid by insurer commission.