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Protect Your Income and Your Lifestyle. Your provincial health plan can help with the medical bills. But to replace lost income, you need disability insurance. You may think that your home, car or investment account is the most valuable thing you own. But we believe that your most valuable asset is your ability to make a living. Without it, you wouldn’t be able to enjoy all the things that make your lifestyle possible.

You may have several insurance policies, and each one protects something different: your life, home, car or valuables. But none of these would help if you became disabled. Disability insurance is designed to provide income if you sustain a serious illness or injury. It allows you and your family to maintain your lifestyle during a difficult period. How likely are you to suffer a long term disability that lasts more than 90 days? Surprisingly, the statistics show that you’re more likely to become disabled than to die prematurely.

Whether you want to secure your main source of income or supplement the coverage they receive from their employer or an association, we can help by providing a comprehensive and portable plan that you can rely on throughout their working years. Disability plans includes products and solutions for full-time, part-time or home-based workers, professional students/graduates, and even non-working Canadians. An individual disability insurance plan can help you financially so that you can concentrate on recovering and returning to an active life.

The Business Overhead Expense policy is designed for principals of closely held businesses or practices and owners of small businesses. It is an expense reimbursement policy that covers those fixed monthly business overhead expenses required to keep the business viable until the return of the owner, after a period of disability. This allows the business operations to continue until the insured either returns to work or makes a decision regarding the future of the business. It is most vital with businesses and practices in which the owner’s ability to come to work makes the difference between the office being open or closed for business. Ideal prospects are physicians, lawyers, accountants, engineers and other individuals who own firms that depend on the owner’s ability to generate income to pay the bills. All of these features, plus the fact that premiums are tax-deductible as a business expense, make the Business Overhead Expense policy a key component of any business owner’s financial security plan. It ensures that business continues when a disability occurs.

Disability Buy-Sell insurance is designed for small business owners to provide funds for the purchase of the insured share of ownership in the business in the event he or she is totally disabled. Policies are primarily designed for small partnerships and professional corporations.

The concept of disability as it relates to a partner’s active participation in a business is often far more difficult to define and describe than most other buy-sell triggering events. For purposes of the Buy-Sell agreement, a disability Buy-Sell policy can provide, not only the funding for a partner buy-out, but the definition of total disability. This allows the insurance carrier, acting as an objective third party, to determine if a disability has occurred.

Key Person disability insurance helps your business offset the financial burden of a key contributor being disabled. Paid for and owned by the business, the policy pays benefits to your business if a key employee becomes totally disabled due to an illness or injury.

Imagine losing your top salesperson tomorrow. Imagine not having access to a top executive’s contact list or their specialized knowledge. Imagine what would happen if the CEO of your company had to leave for an extended period of time. What would happen to your business? Would you have the funds, personnel, and the resources you need to stay afloat –– let alone reach your current goals? How much revenue and how many growth opportunities would you miss as a result?

Key person insurance acts to mitigate the risk that businesses face from unexpected losses of key team members. Now more than ever, it’s crucial for businesses to have proper succession and exit planning strategies in place. And key person insurance is a vital piece of both.