It is required that if your first language is not english that you need to take the english test, nothing more.
Life insurance is typically not too expensive depending on the coverage you receive, mind you,
I'm Canadian but don't pay a dime due to me being of Aboriginal heritage so I can't help much.
If I'm correct, the Canadian government website might have more information about jobs?
For the last, no, but it also depends on what city you go to. I for one, although I am born in Canada
often face racism due to my heritage as an Aboriginal in bigger cities where stereotypes run wild.
You should be fine though, I know plenty of immigrants from the Netherlands who live in Urban areas.
My grandmother is from there, and more of her family immigrated to Canada years after she did. ^^
And you might want to think about applying to different universities right away, and be warned,
housing in urban ares, even renting a place is pretty expensive, so it might be best if you test out
dorm life first. It's easier because that way you have less to worry about (bills, etc). If you are looking
for a cheaper place to live, I'd suggest the smaller cities that have universities, for instance, in
Prince George, BC, Canada, it's about 400-600 canadian dollars to rent a 1 bedroom, 1 bathroom
apartment. That's a reasonable price as most places in big cities can reach from 600-1000 dollars
a month. You DON'T need a citizenship for renting places here, buying yes, renting no. Just keep
an eye on the prices and get in contact with the managers first!