THOMPSON & POLLOCK · CANADA LIFE
Workplace benefits ending? Working for yourself? Explore Freedom to Choose™ coverage and get your price directly from Canada Life—without a meeting first.
Quotes and applications are handled by Canada Life.
YOUR 60-DAY WINDOW
Guaranteed plans don't ask health questions, but you must apply within 60 days of your group coverage ending. Enter the date to see your deadline. Nothing is saved unless you ask for a reminder.
Your deadline will appear here.
COVERAGE FOR YOUR NEXT CHAPTER
Your pension may continue. Your workplace health and dental benefits may not.
Check the gap between your old plan ending and your new benefits starting.
Running your own business should not mean overlooking personal coverage.
A change in age or student status can leave a young adult without benefits.
Explore coverage for yourself or your family without booking an appointment.
START WITH CLARITY
A few answers help you explore the plan family that may fit. No contact details, no pressure, no commitment.
Canada Life confirms eligibility and coverage. Already know what you need?
Get a quote with Canada LifeThe right question is what the policy covers when you need it. Compare the options below in Canada Life’s quote and policy documents.
Explore Guaranteed plans when eligible workplace benefits end. The 60-day application window matters.
Compare covered medications, reimbursement percentages and yearly limits for the plan you choose.
Explore dental and vision options. Check waiting periods, covered services and frequency limits.
Look at paramedical practitioners and eligible supplies—not every expense is covered by every plan.
Review the monthly cost alongside out-of-pocket costs and the effective date.
Travel medical options have separate age, stability, trip-length and eligibility requirements.
Access to private dental insurance can affect CDCP eligibility. Check the Government of Canada rules before adding private dental coverage.
SEE HOW IT WORKS
THE THREE PLAN FAMILIES
Best for: People leaving workplace benefits
Best for: Healthy people without recent group coverage
Best for: People with ongoing conditions or regular medications
Summary for comparison only. Canada Life's quote and policy documents set the actual coverage, limits, waiting periods and eligibility.
THE COST OF GOING UNCOVERED
Rough numbers are fine. The math happens only on your device. Then compare it with the monthly price from your Canada Life quote.
What you pay at the pharmacy each month
Each one is costed at about $250 (exam and cleaning)
Each one is costed at about $100
Your yearly spend on eyewear
Your estimated out-of-pocket costs per year
$1,920
These are estimates, not quotes. Reimbursement percentages, yearly maximums and exclusions vary by plan and are set by Canada Life.
Use the optional finder or go straight to Canada Life’s quote.
Review your actual premium, coverage limits, exclusions and eligibility.
Complete the insurer’s application. Canada Life confirms acceptance and your effective date.
BEFORE YOU APPLY
0 of 6 ready. Your ticks are saved on this device only.
WHY WE DO IT THIS WAY
We're a family-run planning practice in Durham Region. We see too many retirees and job-changers lose coverage because nobody told them about the 60-day window. So we built this page to give you everything you need to decide on your own.
Prefer a human? Call 905-243-6328.
EXAMPLE CLIENT SCENARIOS
Retiring couple, 63, group benefits ending in 30 days
Both took regular prescriptions and didn't want a gap in coverage after their last day of work.
What we did
They applied inside the window, before their first uncovered pharmacy bill.
Self-employed electrician, 41, family of four
Paying for kids' dental and eye exams out of pocket and unsure whether a plan would actually pay off.
What we did
He picked a plan level based on real numbers, not guesswork.
Office manager, 48, recently laid off
Group coverage was ending and she didn't know how long it would take to land a new role with benefits.
What we did
Coverage stayed in place while she job-hunted, with no medical questions.
These are illustrative examples of common situations, not specific clients. Every plan depends on your own circumstances; results are not guaranteed.
FROM OUR GOOGLE REVIEWS
“My wife and I are so pleased to be dealing with a financial advisor that not only has a known passion for what he does — Johnathan is very good at explaining it to us on our path to a comfortable retirement.”
“John is very professional and goes over and above for all his clients. I would highly recommend John to anyone looking for investment advice or life insurance.”
“Thank you for being such a knowledgeable advisor and incredible listener, Johnathan. You have put things into perspective in terms I understand and helped me prepare for the future.”
Mon – Fri: 9:00am – 5:00pmIn person, phone or video
You leave our website and open Johnathan Pollock’s Canada Life e-benefit referral link in a new tab. Canada Life provides plan details, pricing and its application. You do not need to book a meeting with us first.
Canada Life Guaranteed plans are designed for people leaving eligible group coverage. Apply within 60 days of your group benefits ending and meet the eligibility requirements. Similar previous coverage and plan terms matter; confirm your eligibility with Canada Life before applying.
No. Our plan finder stays in your browser. It gives a starting point, not an approval decision. Any medical or medication information required for an application belongs in Canada Life’s application, not our contact form.
Eligible Guaranteed plans do not require medical underwriting. Select with assured acceptance is another option to explore. Coverage for existing conditions, prescriptions, waiting periods and benefit limits depends on the specific policy. Canada Life confirms the terms and eligibility.
Your premium depends on the plan, who is covered, your location and applicable options. Canada Life’s quote shows your price. Compare premiums, reimbursement percentages, annual limits and exclusions—not just the monthly payment.
Canada Life describes no maximum application age for Freedom to Choose health and dental plans. Provincial health coverage and other eligibility rules apply. Optional travel coverage has separate age and trip-length rules.
No medical exam is required. Some plans ask health questions; others offer assured or guaranteed acceptance subject to eligibility.
Canada Life offers monthly premium payments. Check the payment details and effective date in your quote and policy.
Private dental insurance can affect eligibility for the Canadian Dental Care Plan, including access through individually purchased coverage. Check the current Government of Canada eligibility rules before applying. Explore health-only options if appropriate; do not assume private dental coverage can be added without affecting CDCP eligibility.
The insurer confirms your effective date after the application process. A quote or link click does not activate coverage. Do not cancel existing benefits until you understand the replacement policy, exclusions and any waiting periods.
Thompson & Pollock may receive compensation from Canada Life for eligible policies placed through our referral link. Canada Life determines pricing, acceptance, policy terms and claims. Insurance is offered independently of Optimize Wealth Management Inc.
No appointment needed. Want help? Call 905-243-6328.
Planning for retirement too? Read our planning articles. Covering employees? Explore group benefits.
General information only. Freedom to Choose is a trademark of The Canada Life Assurance Company. Eligibility, benefits, exclusions, waiting periods and premiums are determined by Canada Life. Thompson & Pollock may receive compensation for eligible policies placed through our referral link. Insurance products and services are offered independently of Optimize Wealth Management Inc. Canada Life product information.
A SEPARATE QUESTION, WHEN YOU’RE READY
Replacing health and dental benefits is a good moment to check what else you already have—not an automatic reason to buy more insurance. Start with four questions. Your answers stay on this page.
General education, not a quote or individual recommendation. Financial Consumer Agency of Canada: optional mortgage insurance.
