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Disability Insurance

Protection When You Need It Most

Stay Financially Secure During Challenging Times.

An illness or injury can disrupt your ability to work, but it shouldn’t compromise your financial security. Disability insurance ensures you have a reliable income if the unexpected happens, so you can focus on recovery without added stress.

Key Benefits

  • Income Replacement: Receive up to 85% of your regular income.
  • Short-Term & Long-Term Options: Choose coverage based on your needs.
  • Flexible Policies: Customize benefits, waiting periods, and coverage lengths.
  • Tax-Free Payments: Enjoy non-taxable benefits for individual policies.
  • Peace of Mind: Protect your financial well-being and future.

Frequently Asked Questions

1. Is disability insurance mandatory in Ontario?

No, it’s optional, but it’s highly recommended to protect your income.

2. What qualifies as a disability?

Disabilities can include illnesses, injuries, or conditions that prevent you from working.

3. How is the benefit amount determined?

It’s typically a percentage of your pre-disability income, up to the policy’s limit.

Coverage depends on your medical history and policy terms. Some conditions may be excluded.

Yes, we offer bundled solutions for businesses with vehicles.

5. Can I get coverage if I’m self-employed?

Absolutely. Disability insurance is especially valuable for self-employed individuals.

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Insurance coverage and policies are subject to terms, conditions, exclusions, and availability, which may vary by province or region. All descriptions provided are for informational purposes only and do not constitute a guarantee or offer of coverage. Actual coverage is determined by the terms of your policy. Please consult a licensed insurance agent or representative for advice specific to your situation.