The Globe and Mail
🏢 Globe and Mail Inc. (Woodbridge)
May 12, 2026
· 4 min read
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When is it safe for clients to let insurance policies lapse?
Original article ↗ 🔒 Paywalled source — limited preview availableB.I.A.S. ANALYSIS
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LEFTCENTERRIGHT
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Heuristic (v1/v3)
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ML v2 (DistilBERT)
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Rolling outlet bias
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avg -0.104
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Article Excerpt
When is it safe for clients to let insurance policies lapse?
DEANNE GAGE
GLOBE ADVISOR REPORTER
PUBLISHED MAY 12, 2026
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Being truly self-insured means a client’s financial plan should hold up even when one spouse passes away.
SHAPECHARGE/ISTOCKPHOTO / GETTY IMAGES
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Many clients choose to cancel insurance policies once their mortgages and other debts are paid off, opting to self-insure with other assets.
But advisors say clients …
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How we scored this article
WTF uses a two-tier system: every article gets a heuristic bias score from keyword analysis, and priority articles (high overlap across 3+ outlets or strong heuristic signal) get full LLM analysis from B.I.A.S. and V.E.R.I.F.Y.