I hope you are a type of person who asked about life insurance. I know it’s not normal for some to ask one, though offered by many insurance companies, and for few, speaking about life insurance is an omen. I have life insurance but it’s in the Philippines. I did inquire here in Canada. life insurance rates are based on how much coverage you wish for your living family or based on your capacity to pay for the premiums. I bet it’s not normal to speak about this, for practicality sake. It is time to discuss.