Protect Your Income — Your Most Valuable Asset
Your ability to earn an income supports your family, mortgage, lifestyle, savings, and long-term financial goals. Disability insurance can help replace income if illness or injury prevents you from working.
A Paycheque Interruption Can Affect Everything
Many people insure their homes, vehicles, and belongings — but their future income may be worth far more. Disability insurance helps protect against the financial impact of being unable to work due to illness or injury.
Income Replacement
Provides monthly income support if a covered illness or injury prevents you from working.
Lifestyle Protection
Helps maintain mortgage payments, household expenses, savings goals, and family stability.
Professional Protection
Professionals and self-employed individuals may need personally owned coverage beyond group benefits.
Business Continuity
Business owners may need protection for both personal income and business obligations.
Protection for People Who Depend on Their Income
Disability insurance may be especially important if your household, business, or financial plan depends on your ability to continue earning income.
Families With Dependents
Protects the income that supports family expenses, children, debt payments, and future goals.
Self-Employed Professionals
Business owners, consultants, contractors, and incorporated professionals may not have employer-paid disability benefits.
Physicians & Professionals
Specialized income protection may be important for physicians, dentists, accountants, lawyers, and other professionals.
Business Owners
Coverage may help protect personal income, overhead expenses, key people, and long-term business continuity.
Common Coverage Areas to Review
Individual Disability Insurance
Personally owned coverage designed to help replace income if you are unable to work.
Business Overhead Coverage
May help cover eligible business expenses if an owner becomes disabled.
Group Disability Benefits
Employer-sponsored disability coverage should be reviewed for waiting periods, benefit limits, and taxation.
Buy-Sell & Key Person Planning
Business owners may need disability protection as part of succession and shareholder planning.
What Should Be Reviewed?
Disability insurance is not just about the monthly benefit. The definition of disability, waiting period, benefit period, occupation class, taxation, and integration with group coverage all matter.
Is Your Income Properly Protected?
We can help review your income, occupation, existing benefits, waiting periods, benefit amounts, and potential gaps so you can make an informed decision.