Disability Insurance

Disability insurance is designed to replace a portion of your income if you become disabled and are unable to earn an income. 

A disability can result from a number of causes, including an injury, a serious illness or a mental health issue.  And the duration of a disability can be either short- or long-term.

Long Term Disability Insurance with High Limits: protects you from the possible loss or reduction of income as a result of not being able to work due to a sickness, injury or disability. High income earners can now get coverage of up to $75,000 per month, and sometimes more, in disability benefits.

Benefits of Disability Insurance:

Flexible Options

Our disability insurance plans offer a range of benefit and premium options to suit your occupation, income level and other factors.

Fills Existing Coverage Gaps

Canada Pension Plan (CPP), Quebec Pension Plan (QPP) or employer-sponsored disability benefits are limited and may be more restrictive.

Helps You Get Back to Work

Many of our plans provide return to work benefits such as rehabilitation, job retraining and other services to help you get back to work.

Critical Illness Insurance

Critical illness insurance can give you financial security and valuable support services to help cope during a challenging time. ritical Illness Insurance: provides up to $2 million of tax-free funds in the event of a critical illness such as cancer, stroke or heart attack. More than 2 dozen conditions can be covered

Critical illness insurance offers the financial help to pay the costs associated with life-altering illnesses. If you become sick with an illness covered by your policy and survive the waiting period, you’ll receive a lump-sum cash payment. And, unlike reimbursed health insurance benefits, you decide how to spend the money.

Critical illness insurance can help you:

  • Reduce debt and other financial concerns while you cope with your illness
  • Replace any reduced or lost income for you and your spouse, who may wish to take time off work to care for you
  • Bring in additional help at home for you and your family
  • Consider new medical treatments and medications not covered by private or government health insurance plans

Long-Term Care Insurance

It's easy to take our ability to perform day-to-day activities for granted. But this can change, especially as we age. This is why it’s so important to consider your future healthcare needs as you build and review your retirement savings and income plans.

You should consider this coverage if:

  • You’re concerned your retirement income might not last for your lifetime if your health deteriorates and government programs are insufficient to meet your needs

  • You want the financial resources to help you choose the type and level of care that’s right for you if you have an accident or need substantial care later in life as you age

  • You want to protect your wealth and legacy from being eroded by the cost of care

Long term care insurance can help you:

  • Bring care into your home so that you do not need to downsize or move to a facility right away

  • Lessen the burden on care-givers and support your family financially if you are going to live with them if you need care

  • Manage your care and expenses if you have an unexpected severe accident, at any age, that results in your needing substantial assistance from a family member or care-giver

  • provides tax-free funds of up to $10,000 per month for long-term care services in your home or in a long-term care facility