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Living Benefits

 

Disability Insurance / Income Replacement
 

If you become disabled, your ability to earn income may be compromised, and your ability to pay bills or save for retirement may decline. Our disability insurance plans are designed to help you meet your income requirements so you can concentrate on recovering from your disability and returning to an active life.

The peace of mind that income protection can provide is available for professionals, business owners, business executives, and full-time, part-time or home-based workers. Whether you need to secure your main source of income or to supplement the coverage you receive from your employer or an association, we can help by providing a comprehensive and portable plan you can rely on throughout your working years.

Income Replacement Insurance is the cornerstone of any sound financial plan. Income replacement is intended to replace your income in the event you are unable to work as a result of an accident or sickness. This coverage is important to you because, when you are disabled your income may stop immediately while the expenses continue and may be higher as a result of the disability. The chances of you becoming disabled during your working years are far greater than of you dying. Although the need for income replacement insurance is obvious, it is often the overlooked insurance.

 
 
 
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