all day every day protection
Disability insurance is an often overlooked and vital foundation to financial security.
Every Canadian is susceptible to accident or sickness causing an inability to earn an income. The most basic necessities rely on your current and ongoing ability to earn a regular income. How will you pay your bills if you are hurt or sick and cannot work? Will you sell your assets? How long will your savings sufficiently provide for you and your family? Will you rely on family or banks to lend you money? How will you reimburse those loans if you’re never able to work again? All questions that are best asked proactively, in sound health and mind and not after an accident or sickness has struck sending you into a whirlwind of panic while simultaneously addressing your health.
In case of injury
An injury can occur in an instant causing long lasting effects of fall out and despair.
An accident policy is vital for every person at any age. There is no crystal ball to foresee when an accident will occur. A slip off the stairs causing a broken wrist or an unfortunate car accident from a distracted driver causing multiple injuries and years unable to work creates financial stress causing the liquidation of assets, exhaustion of credit or being left at the mercy of borrowing money from family or friends.
Our accident policies offer 24 hour a day protection; on or off the job. From playing with the kids in the backyard, to home repairs, while commuting or participating in your favourite pastimes, you are protected.
In case of sickness
How many times have you had to miss work due to a sickness? How many extra hours have you had to work to recover financially from taking time off due to a sickness? How many times have you worked sick because you absolutely needed the money?
Everyday Canadians fall ill and are unable to work leaving them battling for their health and finances simultaneously. Having to sell hard earned assets or rack up credit to keep necessities paid while down with a sickness causes panic and stress that is not conducive to healing.
Our sickness policies protect against these situations by providing an ongoing monthly income.
Protect your business
Business protection is a vital solution for those with ongoing business expenses whether the business is functioning or not.
People rely on you and your business; you rely on your ability to work. Losing that ability puts you and your business in a precarious position. With our Business Protection Plan we help alleviate some of those stresses. Customized programs to help cover your business expenses when an unexpected accident or sickness hinders your ability. Take the time you need to heal and come back to run your business.
Protect against the unpredictable
If you were to get sick, the last thing you want to be thinking about are your financial obligations and how you will meet them. If you were diagnosed with a Heart Attack, Stroke, Cancer, or Kidney Failure or required a Major Organ Transplant, would you be able to cope financially, especially if you couldn't work?
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.
Protection when you're on the move
Safe Driver Plan
As a motorist you can expect to be involved in an accident once every 10 years and two out of three motorists will be involved in an injury accident during their life. Even if you're the best driver in the world, you can't control other people’s driving. There is a 1 in 20 chance that the crash you have will involve a serious injury. (Transport Canada)
The Safe Driver Plan we offer is designed to protect you from total disability anytime you’re injured in an accident while driving or riding within the passenger compartment of an Automobile, Truck or Bus anywhere in North America. Benefits are also provided for Hospitalization, Loss of Life and Total Permanent Disability.
- Disability Benefits
- Accident Benefits
- Sickness Benefits
- Business Protection
- Additional Protection
- Safe Driver Plan