Replace Lost Income Reliably
Disability Insurance to Replace Lost Income
Replace up to 70% of your income if illness or injury prevents you from working. Short-term and long-term coverage protects your lifestyle and family finances.
You’re In The Right Place.
Disability Insurance
Income Protection When You Can’t Work in Canada
Imagine…
What happens to your income if you become disabled at work?
Disability eliminates income while expenses continue, forcing families into debt and poverty when breadwinners can’t work due to illness or injury that prevents earning regular employment income.,
Wait…
Secure your lifestyle during recovery with income protection.
Disability insurance replaces lost income when injuries or illness prevent you from working and earning your regular salary.
Maintain your standard of living, continue paying bills and obligations, and focus entirely on recovery without financial stress or worry about how you’ll support yourself and your family.
What Are The Benefits?
Ready To decide?
Maintain your lifestyle and pay all your bills even when illness or injury prevents you from working – disability insurance replaces your income so you can focus on recovery without financial stress or worry.
Income Protection
Your income continues flowing even when injury or illness prevents you from working completely.
Lifestyle Maintenance
You maintain your mortgage payments and family lifestyle during recovery without draining savings.
Work Replacement
Your standard of living stays secure because coverage replaces a significant portion of lost income.
Financial Security
You avoid financial catastrophe during lengthy recoveries that could last months or years.
Recovery Focus
Your coverage protects your specific occupation so you’re covered even for partial disabilities.
Earning Shield
You supplement inadequate government benefits with private coverage that actually supports your lifestyle.
Income replacement that maintains your lifestyle during disability.,”Let’s explore disability insurance options in a 30-minute meeting to protect your earning ability and maintain your standard of living.”
Financial ruin from a single accident.
One accident can wipe out your income and everything you’ve built – a scary thought that keeps many people up at night worrying about financial stability.
Replace Lost Income
When injury or illness could stop your paycheque, we replace your income so your lifestyle and family remain protected.
When injury or illness could stop your paycheque, we replace your income so your lifestyle and family remain protected.,”Income-dependent families discover that disability conversations reveal how easily they can protect their lifestyle permanently.”
You can:
Risk losing everything if unable to work
Rely on inadequate employer coverage alone
Face draining savings during long recovery
Struggle with mortgage payments while disabled
replace income when disability strikes
Or You Can…
Protect your income with Disability Insurance that maintains your lifestyle and mortgage payments when injury prevents work.
Completing our secure online form takes just minutes – it’s simple, hassle-free, and might even bring a smile to your face!
Journeys Through Financial Security
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Disability Insurance frequently asked questions
Q: What percentage of income does disability replace?
Quality disability insurance typically replaces 60-80% of your gross income providing substantial protection for your lifestyle and financial obligations. Higher replacement ratios require careful planning. Book a consultation to optimize your income replacement strategy.
Q: How long do disability benefits last?
Benefits can last from 2 years to age 65 depending on policy terms and type of disability. Longer benefit periods provide better protection but cost more. Schedule an appointment to balance cost and comprehensive protection.
Q: What’s the difference between short and long term?
Short-term covers 3-24 months while long-term continues for years or until retirement. Most people need both types for complete protection against income loss. Contact us today to design comprehensive disability protection.
Q: Can I get disability insurance if self-employed?
Yes self-employed individuals can get individual disability insurance and often need it more than employees since they have no employer benefits. Protecting business income is crucial. Get a quote today for self-employment disability coverage.
Q: What medical conditions prevent disability coverage?
Pre-existing conditions may be excluded or result in declined applications but many health issues don’t prevent coverage entirely. Don’t assume you can’t qualify without applying first. Book a consultation to explore your coverage options.
Still have more questions? Contact Us! or check out all FAQ’s….