Disability Insurance

Disability Insurance serves as protection against an illness or injury that results in the loss of income for a period of time.

Without income protection, financial flow to other bills can be a challenge if you cannot work due to injury or illness.

The odds of becoming seriously disabled during your working career:

Men -

Women -

“Why Disability” booklet, published by National Underwrite

Why Is Disability Insurance Important?

How long could you afford to pay your basic monthly living expenses if you were unable to work due to a sickness or injury?

Would you have to borrow money from your retirement savings if you were disabled for longer than six months?

How long could you continue to pay your mortgage if you were unable to earn money?

How would your family’s lifestyle be impacted if you were unable to earn an income?

Individual Disability

Long Term Disability- Income protection for an accident or illness lasting longer than two years.

Short Term Disability- Income protection for an accident or illness lasting less than two years.

Guaranteed Issue Multi-Life- Simplified issue disability insurance for businesses insuring 10 or more lives.

Fully Underwritten Multi-Life- Discounted disability insurance available to groups/employees applying for policies together.

Business Overhead Expense- Reimbursement benefit for documented overhead expenses.

Buy-Sell Protection- Protection to fund a buy-sell agreement between multiple owners in a company.

Key Person Replacement- Protection for a business should a key employee become disabled.

Loan Protection- Reimbursement for a loan payment.