On average, 1 in 3 people will need disability insurance benefits for 90 days or longer at least one time before they reach age 65. If you are that 1 in 3 person – the average length of your disability will be 2.9 years.
How will you pay your bills if you’re sick or injured and not able to go to work and earn your living?
Disability Insurance – Personal
Pay-Cheque Protection – Whether you’re a student, professional , business owner, executive or employee, you know that your ability to earn is your most important asset. The risk to your earning potential can be managed with an individual disability insurance policy.
Your ability to earn is your most valuable asset – disability insurance will replace your pay cheque and enable you to continue paying your bills and living you life if faced with a serious illness or injury.
Disability Protection – Business
Do you need to protect your independence and profitability?
Our advisors specialize in insurance policies to fund a shareholder agreement with a lump sum payout. We can show you various types of disability insurance to reimburse overhead expenses, fund your buy-sell agreement or help you hire a replacement for a key employee that has suffered a serious disability.
Disability Coverage – Special Risk
There are several situations where disability insurance is not available through the traditional insurers. We have special risk underwriters that specialize in hard to insure situations. Even if you’ve been declined, we can likely find you an insurance policy at a competitive price.
- Dangerous Job or Avocation
- Individuals working past age 65
- High Income/High Limit Needs
- Certain Foreign Travel or Working Expats
- Been Declined for Traditional Insurance
Every individual situation requires special consideration and our insurance advisors can explain your options for disability protection in simple language that’s easy to understand.
Contact us for a quick informational chat