Pearl Roze Advisory · The Income Stop Calculator
How Long Would Your Family Last?
The Income Stop Calculator
Run your numbers.
Mortgage or rent, groceries, utilities, childcare, insurance, debt payments. Everything that runs on autopilot every month.
Chequing, savings, TFSA. Cash you can actually access today. Not locked-in RRSPs or illiquid investments.
Enter your numbers above to see your result.
Your family has
The Financial Immortality Framework
Life insurance is not a bill.
It is an asset class.
Most Canadians are managing an expense. Families with a real strategy are building an asset. That distinction is worth understanding before your next renewal date.
Income Continuity
Replace your income the day it stops. Not 60 days later. A properly structured plan ensures your family's financial life does not pause while yours does.
Generational Transfer
Permanent policies accumulate tax-advantaged cash value. Your family inherits a strategy and a foundation, not just a cheque at the worst possible moment.
Living Benefits
Critical illness and disability coverage means the asset works while you are still here. A plan that only pays out after death is not a complete plan.
The gap in your current plan is not your fault. But it is your problem.
Pearl Roze Advisory
Now that you know the number, let's fix it.
Fill in your info below and we can show you exactly what a real plan looks like for your family and what it actually costs to build one.
You may not live forever. But the wealth you build can.
Pearl Roze Advisory. Licensed independent insurance advisors serving Canadian families. Serving provinces of BC, AB, and ON. This calculator is provided for general educational and illustrative purposes only and does not constitute financial, tax, legal, or insurance advice. Results are estimates based on the information provided and individual circumstances will vary. Product availability, premiums, and terms are subject to underwriting approval and applicable provincial regulations. Always consult a licensed advisor before making financial decisions.