About The Insurance Beast

The Insurance Beast is part of the Beast family of free Canadian personal-finance sites, alongside The Retirement Beast and The Mortgage Beast. Same DNA on all three: rigorous, current, comprehensive, and free — no ads, no lead generation, no upsell.

Our lane is insurance literacy and portfolio auditing. The calculators compute needs, gaps, and expected values. Policy Beast inventories what you own and runs it against a growing library of coverage-gap rules. We never recommend a specific product or insurer, because that's licensed advice — a bright line we don't cross.

Who's behind The Insurance Beast

The Insurance Beast is published by a small, independent editorial team under the Beast name — not by any insurer, broker, or lead-generation company. We publish under the team name rather than a single byline because the content is a shared effort held to one standard, and because our credibility rests on the sources we cite, not on any individual's title.

We want to be plain about what we are and aren't: we are not licensed insurance advisors, and we don't claim to be. Our work is to turn primary sources — government rules, regulator guidance, and industry data — into plain language and honest math, so you can make your own decisions or have a sharper conversation with a licensed advisor. Robert is our mascot and the friendly face on the fine print; he is not a licensed advisor either.

Our editorial standards

• Every figure traces to a primary source, with a date. We cite government, regulator, and industry bodies directly — Service Canada, CLHIA, IBC, OSFI, FSRA, AMF, IRCC, Assuris, PACICC, Statistics Canada, and CanLII among them.
• We separate verified facts from illustration. Government amounts carry a “Verified [Month Year]” stamp; premium ranges and worked examples are labelled illustrative, because we don't have your quote.
• We publish what a commission-funded site can't — how to cancel coverage you don't need, why a product is often a bad deal, and how to fight a denied claim.
• We maintain, not just launch. Figure-bearing pages are re-checked against their sources on a cadence and re-stamped when the numbers change.

How we stay accurate

Every government figure comes from a single, dated source list, each with a link to where we got it — no number is buried in a page where it could quietly go stale. When a figure changes — CPP disability amounts each January, provincial auto rules when the law changes — we update it once and every page that uses it updates too. See our methodology for exactly what we track and how often we re-check it.

Corrections

We'd rather be corrected than wrong. If you spot a figure or statement that looks off, tell us through our contact page — and point us to the source if you have one. We verify against the primary source, fix what needs fixing, and update the verified date. Insurance rules change constantly; this is how we keep up.

How we handle your data

Everything runs in your browser. The calculators and your Policy Beast binder save to your device's local storage — names, policy numbers, and health details never leave your computer and are never uploaded to us. Optional analytics never gates a tool, and never sees your policy content.

Our independence pledge: we don't run ads, sell leads, take insurer commissions, or sell your data. If we ever tell you to buy less coverage, or nothing at all, it's because that's what the math says — not because it pays us.

Read next: Methodology (how figures are sourced) · Disclaimer (the education-not-advice boundary) · Contact (to report a correction).