🦺 Living Benefits

Disability Insurance

Your income is your most valuable asset. Disability insurance replaces up to 85% of your income if illness or injury stops you from working.

📞 Call (647) 995-5891 💬 WhatsApp 📋 Send a Message

Why Disability Insurance Matters

1 in 3 Canadians will experience a disability lasting more than 90 days during their working years. Yet most people insure their car and home but not their income — the asset that pays for everything else.

Replaces 60–85% of your pre-disability income
Own-occupation definition (best protection)
Benefits paid tax-free (personally-owned policy)
Short-term and long-term options
Cost of living adjustment (COLA) riders available
Non-cancellable and guaranteed renewable options

👷 Especially Important For:

Self-employed Canadians with no group benefits
Professionals (dentists, engineers, lawyers)
Anyone who relies on their physical ability to work
Business owners who want to protect business income

💡 Don't Rely on CPP Disability

CPP disability pays an average of ~$1,100/month — far less than most people need. A proper disability policy is designed around your actual income and lifestyle.

Disability Insurance

Why Disability Insurance Matters

👷 Especially Important For:

💡 Don't Rely on CPP Disability

Ready to Get Protected?