A recent survey by Primerica Canada reveals that a majority of middle-income Canadians are not interested in using artificial intelligence for financial advice, with 82% preferring to work with a human financial professional instead. The findings come from the latest Financial Security Monitor™ (FSM™) survey, which highlights deep-seated trust issues and concerns about AI’s role in personal finance. Despite the growing presence of digital tools, 68% of middle-income Canadians said they are not interested in using AI for tasks like budgeting, saving, investing, or retirement planning. This hesitation stems not just from preference but from broader anxieties about how AI might negatively impact their financial well-being. John A. Adams, CEO of Primerica Canada, emphasized the significance of the results, noting that many middle-income households are under increasing financial strain and are saving less. “The fact that most of these households prefer human advice over AI shows just how much they value trusted, personal guidance in challenging times,” he said. Inflation remains the top financial concern across all income levels, with 87% of middle-income households worried about rising costs for everyday essentials. Nearly three-quarters (71%) fear they won’t have enough money to retire on their own terms. The survey also uncovered a troubling gap in financial preparedness. Only 16% of middle-income Canadians are actively practicing all five core financial behaviors, including saving for the future and securing life insurance for their families. Adams stressed the importance of accessible, personalized financial advice. “No matter their income level, families can benefit from working with a licensed financial professional. Personalized guidance can help them build long-term financial habits, improve confidence, and stay on track toward their goals.” The FSM™ survey, conducted from July 10 to 15, 2025, gathered responses from 909 adults across Canada using Dynamic Online Sampling. Data was weighted by gender, age, and region to align with the 2016 Canadian Census. The margin of error is ±3.4 percentage points, and the survey was available in both English and French. Primerica Canada, headquartered in Mississauga, Ontario, provides financial products and services to middle-income households through independent licensed representatives in every province. As of December 31, 2024, the company managed over $23 billion in Canadian assets and provided more than $151 billion in life insurance coverage. Primerica, Inc., the parent company based in Duluth, Georgia, serves middle-income families across North America, offering term life insurance, mutual funds, annuities, and financial education. It was the third-largest issuer of term life insurance in the U.S. and Canada in 2024 and is listed on the NYSE under the symbol “PRI.”