{"id":8980,"date":"2020-10-29T15:40:28","date_gmt":"2020-10-29T15:40:28","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/2020\/10\/29\/i-dont-have-kids-do-i-still-need-insurance\/"},"modified":"2026-04-06T15:39:32","modified_gmt":"2026-04-06T19:39:32","slug":"i-dont-have-kids-do-i-still-need-insurance","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/i-dont-have-kids-do-i-still-need-insurance","title":{"rendered":"I Don&#8217;t Have Kids \u2014 Do I Still Need Insurance?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">I Don&#8217;t Have Kids \u2014 Do I Still Need Insurance?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2020-10-29T15:40:28-04:00\">October 29, 2020<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">5 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Alexandra Macqueen\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Alexandra Macqueen<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/no-kids-insurance-thumbnail-default-2.jpg?quality=80&amp;w=930\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A man and a dog.\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/no-kids-insurance-thumbnail-default-2.jpg 930w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/no-kids-insurance-thumbnail-default-2.jpg?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/no-kids-insurance-thumbnail-default-2.jpg?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2022\/09\/no-kids-insurance-thumbnail-default-2.jpg?resize=420,280 420w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=I Don&#8217;t Have Kids \u2014 Do I Still Need Insurance? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/i-dont-have-kids-do-i-still-need-insurance\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/i-dont-have-kids-do-i-still-need-insurance\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h4\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">A Living Benefit for Sonja: Disability Insurance<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href='#h-a-living-benefit-for-sonja-disability-insurance'>A Living Benefit for Sonja: Disability Insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href='#h-a-living-benefit-for-arturo-critical-illness-insurance'>A Living Benefit for Arturo: Critical Illness Insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href='#h-how-insurance-can-reduce-the-financial-impact-of-the-unexpected'>How Insurance Can Reduce the Financial Impact of the Unexpected<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>You may have thought at one point, \u201cif I have kids I&#8217;ll consider insurance but if I don&#8217;t end up having kids then there&#8217;s probably no need&#8221;, and you may be right. People often think of insurance as providing money, a financial benefit for those you leave behind in the event of your death and that is true about life insurance \u2013 but there is insurance available that can also help protect your income and your finances while you&#8217;re alive.<\/p>\n<p>Two examples of insurance that can help you money-wise while you&#8217;re alive are critical illness insurance and disability insurance. These types of insurance are called <i>living benefits <\/i>insurance, because they provide a financial benefit while you are alive.<\/p>\n<p>Here&#8217;s how living benefits insurance might work.<\/p>\n<h4 id=\"h-a-living-benefit-for-sonja-disability-insurance\">A Living Benefit for Sonja: Disability Insurance<\/h4>\n<p>Sonja and Martin are married and live in Montreal. They both work full-time, each earning about $60,000 before taxes. Sonja works as the administrator at a local chiropractic clinic, and Martin is a high-school teacher.<\/p>\n<p>Sonja&#8217;s worried that if something were to happen to her, like a sickness or a bad injury, she wouldn&#8217;t have money coming in to pay bills and help maintain her and Martin&#8217;s lifestyle. Sonja and Martin like to travel, and they&#8217;ve been saving up as they plan to take a \u201csabbatical year&#8221; from their jobs within the next seven to ten years. Sonja decided to buy individual disability insurance to help protect her income and her and Martin&#8217;s future plans.<\/p>\n<p>One day, while rushing out the door, Sonja tripped and fell, injuring her spinal cord and breaking her ankle. Her physicians are confident that she will make a full recovery from her injuries, but they expect it may take up to six months before she will be ready to return to work.<\/p>\n<p>After her doctor fills out the required paperwork, Sonja applies for the benefit from her disability insurance, and her application is approved. Then, after a 30-day waiting period, Sonja&#8217;s disability insurance starts to pay her a monthly benefit. Her policy pays 85 per cent of the after-tax income she was earning before her accident. With her monthly benefit, she and Martin are able to maintain a reasonable amount of their budget \u2013 including setting aside funds for their planned sabbatical. Having the disability insurance in place means that Sonja doesn&#8217;t have to worry about her finances, and instead can focus on her recovery.<\/p>\n<h4 id=\"h-a-living-benefit-for-arturo-critical-illness-insurance\">A Living Benefit for Arturo: Critical Illness Insurance<\/h4>\n<p>Arturo is single and lives in Vancouver. He purchased a critical illness policy a few years ago, after a couple of people close to him were diagnosed with life threatening illnesses and he saw how much a critical illness diagnosis affected their finances. Arturo wanted to make sure he could pay his bills and maintain his standard of living if he were to experience a critical illness that could impact his day to day life.<\/p>\n<p>Recently, Arturo was diagnosed with lymphoma, a type of cancer that starts in the white blood cells. Arturo makes a claim on his critical illness policy. It pays a tax-free lump sum of $150,000 that Arturo can use any way he wants. With the lump sum, Arturo is able to pay for housekeeping and meal preparation services he needs while he is receiving treatment. He also uses a portion of the lump-sum benefit to pay down his mortgage so his day-to-day living expenses are decreased. Later on, if he is not able to return to work at full capacity, he has also reduced his mortgage balance, so he doesn&#8217;t need to earn as much income.<\/p>\n<p>The benefit from his critical illness insurance has allowed Arturo to strengthen his finances, and maintain his quality of life, while he is experiencing the impact of the diagnosis and treatment of a critical illness.<\/p>\n<h4 id=\"h-how-insurance-can-reduce-the-financial-impact-of-the-unexpected\">How Insurance Can Reduce the Financial Impact of the Unexpected<\/h4>\n<p>These two examples show the important role that living benefits can play in providing financial security.<\/p>\n<p>If you don&#8217;t have children, you may not want a large life insurance policy to provide a benefit in the event of your death, but you may still want a small policy to cover any final expenses, such as the cost of a funeral.<\/p>\n<p>It&#8217;s also important to recognize the impact that illness or disability can have on your financial plans while you&#8217;re alive. For example, the Canadian Cancer Society says that <a href=\"https:\/\/www.cancer.ca\/en\/cancer-information\/cancer-101\/cancer-statistics-at-a-glance\/?region=on\" target=\"_blank\" rel=\"noopener noreferrer\">on average, 617 Canadians are diagnosed with cancer every day<\/a> \u2013 and that cancer can occur at any age. An estimated <a href=\"https:\/\/www.cpha.ca\/decline-deaths-coronary-heart-disease-and-stroke#:~:text=An%20estimated%201.6%20million%20Canadians,to%2022.9%25%20over%20age%2075.\" target=\"_blank\" rel=\"noopener noreferrer\">1.6 million Canadians have heart disease or are living with the effects of a stroke<\/a>, according to the Public Health Agency of Canada. And in 2017, <a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/181128\/dq181128a-eng.htm\" target=\"_blank\" rel=\"noopener noreferrer\">22 percent of the Canadian population aged 15 years and over<\/a> \u2013 or about 6.2 million people \u2013 had one or more disabilities.<\/p>\n<p>Living benefits insurance, whether critical illness or disability insurance, can help make sure you are still able to carry out the plans you&#8217;ve made for yourself and your life.<\/p>\n<\/p>\n\n\n\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel pad-l pad-r mob-pad-r centered-block mob-pad-l pad-t mob-pad-t pad-b mob-pad-b\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-t mar-b-hlf mob-mar-b-hlf mob-mar-t\" id=\"h-rbc-disability-insurance\">RBC Disability Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-reg-font-size\">Help ensure your expenses are covered if you get sick or injured<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button has-custom-font-size aligncenter btn is-style-primary primary has-text-lg-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html\" rel=\"noreferrer noopener\" data-dig-id=\"LP-285-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Get a quote-https:\/\/silver.rbcinsurance.com\/health-insurance\/disability-insurance-quote\/index.html \">Get a quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center mar-t-hlf mob-mar-t-hlf pad-b mob-pad-b has-text-reg-font-size\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/disability-insurance\/\" data-dig-id=\"LP-273-18de2c2e\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n\n\n\t<style type=\"text\/css\">\n\t\t.wp-block-tk-spacer.id-ae3e2668-7450-4485-9e1e-de8e248db0d7 {\n\t\theight: 30px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-ae3e2668-7450-4485-9e1e-de8e248db0d7 {\n\t\t\theight: 15px;\n\t\t}\n\t}\t<\/style>\n\t<div class=\"wp-block-tk-spacer id-ae3e2668-7450-4485-9e1e-de8e248db0d7\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>If you don&#8217;t have children, you might think you don&#8217;t need insurance, but did you know there&#8217;s insurance that can help protect your income.<\/p>\n","protected":false},"author":203,"featured_media":8991,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[46],"tags":[19,21],"article-type":[80],"ppma_author":[190],"class_list":["post-8980","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-insurance","tag-disability-insurance","tag-managing-money","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>I Don&#039;t Have Kids \u2014 Do I Still Need Insurance? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Find out what kind of protection you can have for your income if you suddenly become sick or injured and cannot work.\" \/>\n<meta name=\"robots\" content=\"index, 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