Insurance...
Proverbial problem for pilots not with a corporate/organized flight department. I have flown contract for many years and have found some excellent coverage in Canada.
I deal with CIBC and through their 'wealth/investment' division (i'm not wealthy, BTW), they have a comprehensive insurance division. I usually throw my hands up at banks, but this time, it was quite the opposite.
Several years ago, I was able to secure over 1.5 Million in life insurance, good to 75 years and on a separate cover, a loss of income insurance as well.
The life insurance was rather simple and the loss of income required me doing a medical, that is set up by the insurance company. A nurse-practitioner comes to your home, asks a few questions, takes a urine sample, uplinks an ECG to a cardiologist and its all over and done with in 30 minutes.
I was age 56 when I applied for the insurance and secured coverage with no problems.
Feel free to PM me for more info, if you want.