Your insurance, finally clear.

Fifteen questions, four minutes, and you know if you’re over-insured, under-insured, or just wrong. The amounts, the priorities, and above all the why behind every number.

No credit card · No unsolicited calls · Your answers stay with you

The real problem

Over-insured, under-insured, or just wrong? Most people have no idea.

Under-insured
without knowing it

A disability or a death, and your family absorbs the financial shock. The gap only shows once it’s too late.

Over-insured
without knowing it

Premiums paid for years for protection you no longer need. Across 640 typical Québec profiles we simulated, 47% of those already insured exceeded the need our method calculates: money that would work harder in your TFSA or RRSP.

Sold to,
not advised

Too often, the “recommendation” arrives before your situation has really been analyzed. When the sale comes first, it’s hard to know if it’s the right product for you.

TonBilan exists to flip that around: analysis first, sales never.

Simple and transparent

How it works

Three steps, and you walk away with a clear assessment: keep it to yourself or have it validated.

1

Tell us about your situation

About fifteen simple questions: your family, your work, your finances, your goals. Sliders, choices, about 4 minutes.

2

Get your complete assessment

A protection score, every insurance ranked by priority for your situation, suggested amounts and the detail of every calculation.

3

Decide what’s next, freely

Keep your report, get it by email, or have it validated for free by a certified advisor. Zero pressure: you choose.

Not a quote, a real analysis

What you’ll discover

Your protection score

A grade out of 100 that sums up where you stand, and what would move you forward.

Your priorities, ranked honestly

Essential, recommended, not necessary. And if you already have too much insurance, we tell you that too.

Amounts, explained

No number pulled out of a hat: you see the complete detail of every calculation, line by line.

A ballpark of the costs

A realistic range of what it would cost per month, then play with the sliders: your assessment recalculates live.

QPP benefits, finally counted

Survivor and orphan pensions reduce your real need. We count them, net of tax, using the official 2026 amounts.

A couple’s assessment, for two

Analyze your partner in the same assessment. Because a household isn’t protected if only one person is.

A real assessment

This is what a result looks like

Two complete situations, calculated right now by the same engine as yours. One is missing coverage. The other has too much, and the tool says so.

Coverage is missing
Marie, 34

Two incomes, two young children, a $285,000 mortgage. Her only life insurance comes from her job: $100,000.

65 / 100 · Good base, gaps to fill
Life insurance $400,000
Disability insurance $500 / month
Critical illness insurance $50,000

Her group coverage pays for a third of the mortgage, and disappears the day she changes employer. The QPP benefits her family would receive are already subtracted from the amount shown.

He has too much
Jean-Philippe, 54

Mortgage nearly paid off, no dependent children, $420,000 in savings. He already holds $600,000 of life insurance.

82 / 100 · Well protected
Life insurance $500,000
of possibly excess coverage
Disability insurance Nothing to add
Critical illness insurance $75,000

The engine sells him nothing: it puts a number on the surplus. The reasons to buy are gone, the premium stayed. To be reviewed with an advisor before cancelling anything.

See all five examples →

Straight answers

Frequently asked questions

Is it really free? What’s the catch?
Yes, completely free, no catch. And here’s why, in full transparency: TonBilan was built by a financial security advisor. If, and only if, you ask to have your assessment validated, that’s where the advisor behind the tool can make a living. The tool itself stays free for everyone, whether you talk to someone or not. In fact, in our simulations, almost one insured profile in two walks away with a “you have too much.” Not exactly a selling machine.
Will I get sales calls?
No. Nobody will contact you unless you explicitly check the “I’d like an advisor to contact me” box. No surprise calls, no pushy follow-ups: that’s this tool’s core promise.
What happens with my information?
Your answers are only used to generate your assessment. They are never sold or shared. You can complete the whole assessment without giving your name or email: they’re only asked if you want to receive your report.
Is this official insurance advice?
No, and that matters. This tool informs and guides you based on recognized planning rules, but an official recommendation and the purchase of a product can only happen with a certified financial security advisor registered with the AMF. That’s exactly what we offer as an option at the end, if you want it.
How long does it take?
About 4 minutes. Fifteen or so questions, most with sliders or simple choices. You can go back at any time to adjust an answer.
I already have insurance. What’s the point?
That’s exactly where the assessment is most useful: it calculates whether what you have matches your real need. In our simulations, almost one insured profile in two had too much, and others discover a gap. Either way, better to know.
We’re a couple. Can we do it together?
Yes, and it’s rare: the assessment can analyze both partners, each with their own protection, plus a household score. One well-covered person doesn’t protect a family.
How is this different from my insurer’s calculator?
Three things. One: our method is published, line by line. Two: we count what others ignore (your QPP benefits, your group coverage, your TFSA). Three: an insurer’s calculator will never conclude “you have too much.” Ours will.
Olivier Gratton, founder of TonBilan
The person behind the tool

Who’s behind TonBilan?

My name is Olivier Gratton, a financial security advisor in Québec. I’ve helped more than a hundred people with their protection decisions, and I created TonBilan because too many people sign policies they don’t understand, or pay for protection they don’t need.

Here, the analysis comes first. You leave with your assessment, whether you talk to me or not. It’s my way of doing things in the right order.

AMF-certified Based in Québec More than 100 people helped

Four minutes to see things clearly.

No commitment, no account to create. Free, for real.

Good to know: this tool provides general information for guidance and education purposes only. It does not constitute insurance advice or a product offer. An official recommendation and the purchase of a product can only happen with a certified financial security advisor registered with the Autorité des marchés financiers (AMF).