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Disability Insurance

What would happen if you became unable to work?

An unexpected disability could prevent you from earning income, covering your expenses, and saving for your goals. Disability insurance will work for your income when you can't. 

Disability Insurance

What is disability insurance and how does it work?

What is disability insurance and how does it work?

Disability insurance provides a monthly benefit to help replace your income if a physical or mental illness or injury keeps you from working. Disability insurance can also cover your business overhead expenses if you own a business.

Disability insurance is one of the most customizable insurance products available which gives us the ability to make an insurance solution that is best suited for your needs. Your coverage can cover you in the short and/or long-term depending on your waiting period and the term of your coverage. The waiting period is the period of time you have to be disabled before you qualify for your benefit. The term of coverage is the length of time you want to be covered should you become disabled. 

After you are issued your policy, all you have to do is pay your monthly premium. In the unfortunate case you should become disabled, you file a claim, complete the waiting period, and your monthly benefit payments will follow. Your benefit payment will continue until the benefit period ends or you return to work. 

Non-Medical Underwriting Requirements

How do I choose the type of insurance and what is the application process?

Up to 40% of Canadians become disabled for 90 days or longer before age 65

Did you know?

Up to 40% of Canadians become disabled for 90 days or longer before age 65.1

Factors that Influence Coverage Costs

How Do I Determine What Coverage I Need?

While disability insurance may seem intimidating given all of the available customizations, the Insurance Specialists from our team will make you feel quite the contrary. Given their expertise, they will put your mind at ease by customizing a solution that is right for you.

For Individuals 

For Businesses

Additional Coverage Features

How Do I Determine What Disability Insurance Coverage I Need?

Want to learn more? Let's work together to get you the coverage that you and your family need.

Book a FREE 30 minute introductory meeting or request a quote:

Statistics source:

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