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On the contrary, you should not have a problem with insurance and stuff.
If he assigns you as a beneficiary or dependent and put you as a spouse that should be enough.
If they ask you for a marriage certificate so be it.
In Canada it is not compulsory for wives to take their husband's last name.
Are you planning to change your last name in sponsorship application too?
If not then don't change your passport name, cause you will have a lot of trouble and confusion.
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