Disability Insurance
Disability can occur at any time
Disability affects people of all ages and from all walks of life. That's why it's important to consider protecting your income with disability insurance as soon as you are eligible for coverage. And by purchasing disability insurance when you're young and in good health, you can take advantage of affordable rates.
Executives & Professionals
Employer sponsored benefits are often a one-sized solution for all employees regardless of income. Higher income earners within the organization may find the need to top-up with individual coverage to maintain their standard of living in case of a disability. An individual plan will provide...
  • Comprehensive income replacement
  • Top-up of employer-provided long term disability benefits
  • Protection for employees through an Income Loss Replacement Plan
  • Guaranteed premiums and coverage in the event of a change in occupation or health
  •  Automatic Coverage Enhancements to keep pace with income
  • Receive partial or residual benefits if they continue working in a limited capacity
  • Special programs available for students and new grads in select professions
  • Options to continue saving for retirement during a disability
Small Business Owners
Businesses need to maintain continuity when an owner, partner or a key-person is disabled. Expenses still need to be paid and if disability is long-term, having the ability to fund a buy-out is important. Business owners need reliable, cost-effective income replacement protection with...
  • Guaranteed premiums and coverage in the event of a change in occupation or health
  • Business owner discounts
  • Automatic Coverage Enhancements to keep pace with income
  • Business expense reimbursements like salaries, rent, utilities and more
  • Extra payments from the Disposal of Interest in Business (includes legal and accounting expenses)
  • Reimbursements for buy-out costs
  • Ability to transfer coverage to a new business without medical evidence
Business Owners
Click the button below to see your options
Self employed, working or not
Whether you are full-time, part-time, retired, at school, running a business, or raising a family, no one plans on having a accident.
Sometimes, simple insurance coverage is all that is needed. A Personal Accident Plan covers individuals from age 5 to 80. It provides...
  • Coverage for unforeseen hospital costs due to an accident or sickness.
  • Benefits paid out beginning on the first day of hospitalization up to a maximum of 1 year.
  • Coverage available 24 hours a day, anywhere in the world.
  • ​No medical evaluation require when you apply.