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Robert, The Insurance Beast mascot

What-If Simulator

Walk a scenario step by step — disability, death, home loss, or emergency abroad. Educational timelines, not predictions.

Free · No signup · Verified July 2026

Robert, The Insurance Beast mascot

Why walk through a scenario

It's hard to judge insurance in the abstract, so this simulator walks a single scenario — a disability at 45, the death of an earner, a house fire, or an emergency abroad — step by step against your household's real numbers. You'll see, in sequence, what each layer of your coverage pays and where the money runs short, the same way an actual claim would unfold.

Some figures (rebuild costs, typical hospital day-rates) are educational constants you can replace with your own policy limits. The goal isn't to predict what will happen — it's to make an abstract risk concrete enough to act on, and to show you exactly which gap to close first.

Robert — thinking
Robert says: peak gap is about $1,000/mo around month 7. Expand “Show the math” to see each layer.
Headline exposure

$1,000

Disability at working age (36-month stack)

Modeled coverage in scenario

$131,121

Exposed $33,300

Robert noticed…

  • Your group LTD looks employer-paid (or shared) — benefits are generally taxable. Many people budget with gross figures and overestimate take-home by 20–30%.
  • Most group LTD plans reduce benefits dollar-for-dollar by CPP Disability. We model that offset so you don't double-count.
  • Own-occupation definition switches around month 24. After that, many plans require you to be unable to work in any occupation — a common claim denial point.
  • EI and group STD often coordinate (top-up or offset). We show the higher of the two in each month so income isn't double-counted — check your plan booklet.

  1. Month 1

    -$825

    Elimination / short-term bridge

    Benefits (~$3,675) fall short of essentials (~$4,500) by ~$825.

  2. Month 2

    -$825

    Elimination / short-term bridge

    Benefits (~$3,675) fall short of essentials (~$4,500) by ~$825.

  3. Month 4

    -$825

    Elimination / short-term bridge

    Benefits (~$3,675) fall short of essentials (~$4,500) by ~$825.

  4. Month 6

    —

    Ongoing disability income

    Stacked benefits cover essentials this month (~$5,711).

  5. Month 12

    -$1,000

    Ongoing disability income

    Benefits (~$3,500) fall short of essentials (~$4,500) by ~$1,000.

  6. Month 24

    -$1,000

    Approaching any-occupation review

    Benefits (~$3,500) fall short of essentials (~$4,500) by ~$1,000.

  7. Month 36

    -$1,000

    Ongoing disability income

    Benefits (~$3,500) fall short of essentials (~$4,500) by ~$1,000.

Open Disability Gap calculatorLog LTD details in your organizer

Educational estimates only — not insurance, tax, or legal advice. No products sold. Figures use verified government constants where cited and your inputs/assumptions elsewhere. Confirm against your policy wording and a licensed advisor or broker. Robert is a mascot, not a licensed insurance advisor.

Frequently asked questions

What happens to my family financially if I die?
It depends on what your coverage actually replaces. Without enough life insurance, your household loses your income while the mortgage, debts, and childcare costs continue — and a named-beneficiary payout that would have bypassed probate isn't there to bridge the gap. This scenario walks through those numbers using your inputs so you can see where the shortfall lands. It's an educational illustration, not a prediction — mirror your real policy limits for a closer picture.
Is this a prediction of what will happen?
No. Scenarios are educational walkthroughs using simplified assumptions and the same math engines as our other tools. Your claim experience will differ.
Should I use my Policy Organizer instead?
Yes for a full inventory. The What-If tool uses quick household inputs; mirror key limits from your Beast Policy Organizer for a closer picture.
Why are some dollar amounts illustrative?
Rebuild costs, typical contents, and US hospital day rates are marked as assumptions or educational constants — replace them with your policy limits and quotes.
Is this insurance advice?
No. Education only. No product recommendations. Consult a licensed advisor for personal decisions.

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