Life insurance can help the people who depend on you manage costs if you die. Sam Pakbaz works with families here in Barrhaven, Nepean and Ottawa. He compares options and explains them in everyday language, so you can decide what fits.

What happens without coverage

When someone dies, regular bills do not stop. A funeral, a mortgage, and day-to-day living costs can fall to the people left behind at a hard time. Life insurance is meant to give them money they can use for those costs, so they have more room to decide what comes next.

Real costs

• In 2023, cancer was the leading cause of death in Canada. There were 84,629 cancer-related deaths, just over one in four of all deaths (25.9%). Cancer and heart disease together accounted for 43.7% of deaths that year. (Statistics Canada)
• The Funeral Service Association of Canada reports typical burial costs of about $8,300 to $10,000, and typical cremation costs of about $6,280. (FSAC, 2026 pre-budget submission)
• The Canada Pension Plan death benefit is a one-time payment of $2,500 for eligible contributors. In some cases a further $2,500 may be added, for a maximum of $5,000. That may not cover a typical funeral on its own. (Government of Canada, effective 1 January 2025)
• In 2024, Canada's life and health insurers paid $18.6 billion in life insurance benefits. About 23 million people held $6 trillion in coverage, and the average protection per household was $509,000. (CLHIA, 2025 Factbook)

Who it's for

• Parents and caregivers whose income supports a household
• People with a mortgage or other debts they would want paid down
• Couples who want to help the other person keep the home or cover living costs
• Anyone who wants help with future estate costs, such as a funeral or final expenses
• People reviewing coverage after a new job, a child, or a move

How Sam helps

Sam is an independent licensed life and health insurance agent with Barrhaven Financial Services Inc. He compares options from several insurers and walks you through the differences in plain language. He does not represent every insurer, and not every insurer offers every product. You decide what fits.

Let's look at your options

If you'd like to look at life insurance, you can ask for a quote or book a time to talk it through. There's no pressure either way.