Your life insurance company doesn’t want you to die.
If you have a term life insurance policy and you die tragically early in life, the life insurance company loses money.
That’s kind of the whole idea. You get insurance to protect against this risk and make sure your family can cover your debts, pay your funeral expenses, and ideally replace as much of your income as possible for as long as possible.
So your insurance company actually wants you to lead a long and healthy life. In fact, they want you to beat the odds and live for as long as possible.
That’s one reason why programs like Manulife Vitality exist that give you rewards for exercising, eating well and maintaining a healthy lifestyle.
They’re not trying to “profit from your death.” They’re helping you protect against the worst case Ontario and very much don’t want you to die.