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LifeRate.ca is operated by Webhub4u Inc., a Canadian technology company and publisher (not a licensed insurance broker). Nothing on this site sells, quotes or arranges insurance. Any recommendation or advice about a policy must come from a licensed advisor, not from LifeRate.ca, and no coverage is bound until an application is approved and issued by the insurer. See our disclosures.
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The policy and disclosure pages already answer the common questions.