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Living Benefits

Income Protection Coverage -
Disability Insurance

Disability insurance provides an essential income if an injury or illness prevents you from earning an income.  Some jobs offer employee benefits for disabilities, but in most cases, the compensation is inadequate. 

 

Consider this:

  • Worker’s Compensation only covers injuries that occur at work.

  • Your unemployment benefits will only last 15 weeks.

  • Government benefits are limited in what they can provide for you.

  • A work policy may not cover other living costs and medical costs.

 

 
WHO NEEDS INCOME PROTECTION COVERAGE?
  • Self-employed

  • Contract workers

  • Employees without group coverage

  • Mortgage repayment

  • Debt repayment

  • Income replacement

  • Living expenses

Critical Illness Coverage

Recovering from illness can be tough on you and your family, both emotionally and financially.  Critical Illness insurance is a form of health insurance that provides financial security, letting you focus on recovery.

 

It pays a tax-free lump sum in the event of surviving:

  • Heart attack

  • Stroke

  • Cancer

  • or up to 31 other illnesses

 

WHY YOU NEED CRITICAL ILLNESS COVERAGE

 

  • Fund a leave of absence for yourself or your spouse to be by your bedside

  • Modify your home or vehicle

  • Access cutting-edge medical services: In Canada or another country, in addition to travel and lodging expenses

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