When you buy a home, everyone obsesses over the rate.

All fair. But here’s the question nobody wants to ask:

What happens if you can’t work?

And guess what?

The Real Risk Isn’t Dying… It’s Being Off Work

Most people understand life insurance, but honestly, the bigger risk for most working Canadians is disability.

That’s way more common than people think — and it can hit fast.

“But Dan, I Have Benefits Through Work”

Totally. Most people do. But here’s the straight truth:

Workplace disability coverage usually isn’t enough to fully protect your mortgage.

Most plans cover about 60% of your income, and they’re often capped.

So you might think: “I’m covered.” But reality looks more like:

And that’s before groceries, gas, daycare, and everything else life costs.

Your Mortgage Payment Doesn’t Take a Sick Day

Your income can change. Your health can change.

But your mortgage? It’s locked in. No mercy. No pause button.

Mortgage disability insurance is basically a safety net: If you can’t work, it helps cover the mortgage payment so you can focus on getting better — not panicking about losing your home.

This Isn’t About Fear… It’s About Being Smart

This is one of those “boring adult” things that feels unnecessary… Until it’s suddenly the most important conversation you’ve had.

The real question is simple: If you couldn’t work for 6–12 months… would your home still be safe?

If the answer is “I’m not sure,” then it’s worth looking at.

Quick Bottom Line

Most Canadians assume their work benefits will handle it. But many plans don’t cover enough, and the mortgage doesn’t wait.

Mortgage disability insurance can help protect your home, your lifestyle, and your family if life throws you a curveball.

Because the best mortgage plan isn’t just about the rate… It’s about knowing you can keep your home no matter what.