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Accident & Sickness


What is it?

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Accident & Sickness insurance will pay you a regular income if you become totally disabled by either an accident or sickness.
What can you insure? It is usally 70% of your current income after business expenses but before tax. If you rely on a regular income to live and to meet your financial commitments, or if you are self-employed, you should have Accident & Sickness insurance.
Accidents and illnesses are facts of life. They can happen to anyone at any time. What are you doing to protect your most valuable assets? How much is your home worth? How much is your car worth? How about other major assets you insure? How much do you spend to protect your ability to earn an income?

Possible Solutions

Worker's Compensation:
Covers disabilities that occur on the job only.
Employment Insurance:
Short term coverage with limited benefit amount.
Canada Pension Plan (CPP/QPP):
Disability must be "severe and prolonged".
Group or Association Plan:
Designed more for a group than an individual.

Individual Solution - An Individual Disability Insurance Plan
  • can cover you 24 hours a day
  • can provide coverage up to age 65 or older
  • can provide partial disability benefits
  • can be tailored to meet your individual needs
  • can provide portable coverage
  • can provide premium rates that are guaranteed