The distinction that trips buyers up is between the premium and the provincial sales tax charged on it. Saskatchewan requires that PST to be paid in cash at possession even when the premium itself gets folded into the mortgage, so it shows up as an unexpected line item for buyers who assumed everything insurance-related was financed.
First-time buyers can offset some of the cash needed through the Home Buyers' Plan, up to $60,000 from an RRSP, or a First Home Savings Account, up to $8,000 a year to a $40,000 lifetime limit, though neither program finances legal fees or the PST directly; they add to your down payment or your available cash.
Ask your lawyer for a full trust statement before possession day so nothing is a surprise on closing. Get your hand-reviewed valuation from Joel Dyck.