senior financial planning

As a Canadian senior hitting 68 last month, I remember the knot in my stomach when my wife asked, “What happens if we’re not here for the kids’ down payments?” That’s when I dove deep into life insurance options tailored for folks like us—over 60, maybe with a few health quirks, but still dreaming big for the grandkids. In this guide, I’ll walk you through the real talk on affordable policies, no-exam shortcuts, and 2025 trends that could save you hundreds. No fluff, just stories from my chats with retirees across Ontario and BC, plus hard numbers to help you decide.