Disability insurance

Disability insurance helps protect your income and business if you become disabled and can’t work. With different products available for full-time, part-time or home-based workers, disability insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians.  An individual disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life.

Whether you need to secure your main source of income or supplement the coverage you receive from your employer or an association, disability insurance can help by providing a comprehensive and portable plan you can rely on throughout your working years.

For more information on disability insurance, please contact us.

The Venture Series

Venture Series is well suited to business owners and employees seeking reliable, cost-effective income replacement protection. And with unique built-in automatic coverage enhancements, your coverage grows as your income increases.

Venture Series is ideal for:

  • Income replacement for business owners
  • Topping-up employer provided long-term disability benefits
  • Protecting employees through an Income Loss Replacement Plan

Plus, you can plan ahead with the built-in Future Care Option. It gives you the opportunity to exchange your disability coverage for a long term care insurance plan when the time is right.

For more information on this product, please click here or contact us.

Venture Series is sold by, and is a trademark of Manulife Financial (The Manufacturers Life Insurance Company).

The Proguard Series

Designed for executives and professionals, Proguard Series is one of the most comprehensive income replacement protection plans available. Featuring unique and flexible benefits, you can customize a plan to meet your specific needs. Plus, built-in automatic coverage enhancements help ensure your coverage keeps pace with your income growth.

Proguard Series is ideal for:

  • Comprehensive income replacement for the changing needs of executives and professionals
  • Topping-up employer provided long-term disability benefits
  • Protecting employees through an Income Loss Replacement Plan
  • Future insurance planning – exchange your coverage for a long term care insurance plan when the time is right (Future Care Option)

For more information on this product, please click here or contact us.

 

Proguard Series is offered through Manulife Financial (The Manufacturers Life Insurance Company).

Buy-Sell Plus

Buy-Sell Plus is a great complement to a business buy-out agreement. It offers flexibility and choice in how to fund the purchase of a disabled owner's share of the business.

Buy-Sell Plus business buy-out coverage is ideal for owners of small, closely held businesses (generally two to five owners) who own at least 10% of the business and who work full-time for the business.

For more information on this product, please contact us.

Buy-Sell Plus is sold by, and is a trademark of Manulife Financial (The Manufacturers Life Insurance Company).

Personal Accident Disability Insurance (PADI)

If you become totally or partially disabled due to an accident or sickness, Personal Accident Disability Insurance offers flexible coverage that provides you with a monthly benefit for income replacement, funding for medical costs and income/business expense coverage if you are self-employed. Plus, if you’re looking for guaranteed issue coverage in the event that you are hospitalized as a result of an accident or illness, you can purchase the Cash Hospital Plan.

Personal Accident is ideal for:

  • Non-working (students, at-homes, un-employed, seniors) and working (full or part-time employees, or self-employed) individuals

Cash Hospital is ideal for all individuals, couples and families. It can also be used as an alternative to disability or sickness insurance, travel insurance for those medically uninsurable, or to top-up existing coverages

For more information on this product, please contact us.

Personal Accident Disability Insurance and Cash Hospital are offered through The Manufacturers Life Insurance Company (Manulife Financial).

ExpenseComp

ExpenseComp offers reliable features and benefits for small business owners. By reimbursing business expenses like salaries, rent, utilities and more, ExpenseComp can help make sure you don't have to close up shop early because of illness or injury.

Plus, if you no longer need business expense protection you have the option to convert to an income protection plan.  

For more information on this product, please click here or contact us.

ExpenseComp is sold by, and is a trademark of Manulife Financial (The Manufacturers Life Insurance Company).