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Replaces lost income if illness or injury prevents you from working for a period.
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We provide services in BC, ON, SK, AB & MB.
This type of insurance gives you financial security if you are unable to work because of illness or injury. Disability Insurance replaces part of your income so that you can continue to pay bills and concentrate on getting well without draining savings.
Disability Insurance offers a monthly benefit when you're unable to work as a result of a covered disease or accident. You're paid after a waiting period for a specified number of weeks or months, depending on your policy. Coverage can be varied for various reasons and career requirements.
Your earning ability is your greatest asset. On illness or accident, which renders you immediately disabled to the point where you can no longer work, this insurance ensures protection in the form of rent, light bills, and doctor's fees, but does not diminish your standard of life.
Connect with us today to start your application and receive guidance every step of the way.
Provide the required documents to complete your insurance application.
$2,500 average monthly benefit to help you maintain your lifestyle without worry.
Apply NowReceive a personalized insurance policy designed to meet your specific coverage needs.
Once approved, you'll receive your insurance certificate and be fully covered.
Protection of Income – Pays cash benefits by substituting a part of income in case of an illness or injury that disables one from working.
Helps in paying rent, mortgage, grocery, phone bills, car loan and other daily expenses during recovery.
Offers income protection for freelancers and business owners without employer-sponsored disability benefits.
Lowers drawing on emergency savings, retirement accounts, or investments to pay everyday expenses.
If you get the benefits directly, disability benefits are usually tax-free, so you get the full benefit amount received.
Supplements employer disability coverage, which typically only pays a fraction of your income, leaving financial gaps.
Certain policies pay even when you can still work part-time but have a substantial and ongoing loss of income.
Enables timely payment of loans and bills to avoid late payments and credit adverse effects upon disability.
Takes financial concern away so you can concentrate on health without worrying about expenses.
It insures short-term disabilities, usually for weeks or months, to provide temporary income protection.
It provides long-term financial protection, insuring disabilities lasting years or even until retirement. The right plan depends on your savings, company benefits, and financial objectives.
Disability Insurance covers you for 50-70% of your income when you can't work. Payments start after the waiting period and last for the policy benefit term, giving you the financial peace of mind while you recover.
Most individuals exaggerate the chance of becoming disabled. According to one study, one in every three working-age people will have a 90-day or greater disability prior to age 65. Planning assures economic security should unexpected medical issues develop.
Your income is your most valuable financial asset, which you use to build wealth and support your future. Disability Insurance safeguards this asset by making sure you keep receiving income even when a disability does not allow you to work.
Disability Insurance can be adjusted to suit one's individual needs, such as:
Schedule a MeetingProtects your capacity to work your specialized occupation.
Makes part payments when you are capable of working part-time but accept reduced pay.
Ensures benefits increase with inflation, maintaining value against rising costs.
Understand the tax rules for disability benefits and keep more of what’s rightfully yours.
Individual policies, in general, make payments tax-free.
The benefits are taxed, depending on policy design.
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