01/06/2026
Most agents see a living benefits lead and think one sale, one commission, done.
That's the expensive read.
One self-employed client who needs income protection isn't a transaction. It's a door. Solve that first and you become the advisor who protected the engine before anyone talked about anything else. Life insurance, RRSPs, mortgage insurance, the kids' policies, estate planning. It all flows from the first yes.
91% of Canadians have no critical illness coverage. 90% have no disability insurance. 2.7 million self-employed Canadians, almost none of them protected.
Every one of them is a door.
Stop chasing one-off commissions. Start building relationships that compound.
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