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Living Benefits

Disability Insurance

Benefits – Disability Insurance

Insurance is an important investment.It should be there when you need it.

Protection for ones most valuable asset….income. What would happen if your income would suddenly stop due to an injury or illness? The solution is disability insurance! Disability insurance would provide individuals with a monthly stream of income for as long as they are unable to work. A variety of products exists with many different benefit periods, elimination days, partial coverage and even a return of premium for individuals who do not make a claim. Let us help you choose the coverage which best meets your needs.

Critical Illness

Benefits – Critical Illness

Insurance is an important investment.It should be there when you need it.

Critical Illness insurance provides individuals with a tax free lump sum benefit of up to $2,000,000 upon the diagnosis and survival of a covered condition. Covered conditions include Cancer, Heart attack, Stroke, Alzheimer’s and up to 20 more illnesses depending the policy. There are over 70,000 heart attacks in Canada every year; 50,000 Canadians suffer from strokes annually and an estimated 3075 cancers are diagnosed every week in Canada. Individuals can use the critical illness benefit in any way they want; to pay off their mortgage, reduce debt, hire in home nursing or domestic care, or even seek treatment in or outside Canada. Critical Illness insurance provides financial aid at a time individuals need it the most so they can focus on one thing… getting better.

Long Term Care

Living Benefits – Long Term Care

Insurance is an important investment.It should be there when you need it.

Long term care insurance provides individuals with a tax free monthly benefit in the event that they would require assistance with 2 of the 6 activities of daily living (bathing, dressing, eating, maintaining continence, toileting and transferring) or if they are diagnosed with a cognitive impairment. These funds can be used to cover the cost of care at home or the cost of a stay in a long term care facility. Provincial health care plans cover a portion of these cost for individuals who use public facilities but offer NO coverage for private facilities. Homecare expenses such as private nursing, cooking, cleaning, shopping, etc… can only be covered by a private long term care insurance policy. With long term care insurance individuals can decide where they will receive care and whom will administer the care without depleting their savings and forcing their loved ones into debt.

Personal Accident Disability Insurance

Living Benefits – Personal Accident Disability Insurance

Insurance is an important investment.It should be there when you need it.

Personal accident disability insurance provides a monthly benefit in the event of injury, with optional protection against illness. It is primarily designed for individuals who cannot qualify for traditional disability insurance because of health issues or because occupation. Unlike traditional disability insurance no medical questions or proof of income is required. Coverage may be available even if you are not working, retired, or doing seasonal work.

Critical Illness Simplified Issue

Benefits – Critical Illness Simplified Issue

Insurance is an important investment.It should be there when you need it.

Simplified issue critical insurance requires no medical exams or doctor reports. A simple signed short health declaration is sufficient to qualify. This type of critical illness insurance will pay a tax free benefit upon diagnosis and survival of 5 covered conditions which include, life threatening cancer, aortic surgery, heart attack, coronary bypass surgery, and stroke. Refund of all premiums paid for clients who never make a claim is also available. It’s quick and easy.