Life Insurance for Military Families
Serving CFB Halifax, Shearwater, Greenwood & Gagetown — and families across Canada preparing for release or a posting.
Book a CallMilitary group life coverage is valuable while you serve — but it's tied to your employment and doesn't always follow you after release. A posting or a release shouldn't leave your family exposed, and personal policies can't be cancelled by either one.
I help military families layer personal coverage so that protection moves with you — whether you're posted across the country, transitioning to civilian life, or retiring. Because I'm independent and shop 15 Canadian insurers, I can find coverage that fits your health history and your budget, including options that don't require a full medical.
How military group coverage compares with personal coverage
- Portability: A personal policy stays with you after release or a posting — it's yours, not the employer's.
- Guaranteed rates: Term and whole life premiums are locked in, so they don't jump when your circumstances change.
- You choose the beneficiary: The payout goes to whoever you name, not according to a group plan's rules.
- Level coverage: The death benefit doesn't shrink — it stays at the full amount you purchased.
- Approved up front: Personal life insurance is underwritten at application, so coverage is certain — unlike most bank creditor insurance, which is underwritten at claim time.
When to review your coverage
The best moments to review are the transitions: a posting, a promotion, a new mortgage, a growing family, or preparing for release. If you're planning to leave the service, securing personal coverage before release — while you still have group benefits in place — is often the smoothest path.
I'm based in the HRM and serve military families at CFB Halifax, Shearwater, Greenwood, and Gagetown, with virtual consultations available across ON, NS & NB. Service en français disponible.