Disability Insurance: Income Protection When You Need It Most
What is Disability Insurance?
Your income is your most valuable asset. Disability Insurance provides a tax-free monthly benefit, replacing a portion of your earnings if an illness or injury prevents you from working. This coverage ensures you can pay for essentials like housing, food, and healthcare while you recover—without financial stress.
Key Benefits of Disability Insurance
* Income Replacement – Stay Financially Secure
- Receive a monthly tax-free benefit to cover lost wages.
Maintain your standard of living even if you can’t work.
Focus on recovery, not bills.
* Covers Essential Expenses
Mortgage or Rent – Keep your home secure.
Groceries & Daily Bills – Ensure everyday needs are met.
Medical Costs – Pay for healthcare not covered by public benefits.
* Ideal for Self-Employed & Professionals
If you don’t have employer-sponsored disability insurance, you need personal coverage.
Business owners, freelancers, and gig workers can’t rely on workplace benefits—this policy fills the gap.
* More Reliable Than Public Programs
Canada Pension Plan (CPP) & Employment Insurance (EI) offer limited disability benefits.
Personal disability insurance provides higher coverage and longer-term protection.
* Lower Premiums When You Enroll Young
Get coverage early for lower, locked-in rates.
Customize coverage to match your specific needs and lifestyle.
Who Needs Disability Insurance?
Workers of All Ages – Income protection is essential, no matter your career stage.
Self-Employed & Business Owners – No group benefits? Get coverage you control.
Young Professionals – Lock in low premiums early for long-term security.
Parents & Families – Ensure your loved ones remain financially stable.
High Earners – Protect your income and lifestyle in case of disability.