Protect your most valuable asset: your ability to earn an income.
Disability can strike anyone at any time. Disability insurance can replace part of your income and provide you with a steady pay cheque if a severe physical or mental disability, due to injury or illness, makes you unable to work. Disability cover prepares you for the unexpected and protects your dependents from financial storms, so you and your family can continue to live full, independent and meaningful lives.
Disability insurance covers issued by various insurance companies have their own characteristics, advantages and disadvantages. You should know the features of each type of disability insurance in order to know which policy is best for you, and you should not hesitate to take professional help rather than deciding on your own. Above all, the insurance company you choose must provide individualized, tailor-made disability insurance solutions.
Types of disability insurance
Primarily there are two types of disability insurance, depending upon their tenure and the nature of the disability.
- Short Term Disability Insurance: covers disabilities of a non-permanent nature. It pays benefits for a short period of time — as short as one month, up to a maximum of two years as per the policy framework.
- Long Term Disability Insurance: applies when the disability is of a permanent nature. Its tenure could be for many years or for your whole life, with benefits paid as per the terms of the policy.
Unbiased disability insurance advice
We offer specialized guidance and advice for choosing the best disability insurance plan among the various options available in the Canadian insurance market. We will guide you in an unbiased manner toward the right choice as you plan for your future and that of your family members.
Our experienced, professional and qualified agent will advise you with a clear and concrete proposal for a specific disability insurance policy. We are committed to providing guidance and consistent service — at the time of buying the insurance and also in getting the claim from the insurance company should you become disabled. Feel free to contact us without any financial obligation.