Don't let disability or critical illness destroy your lifestyle.

Your ability to work is your most valuable asset. Every day you get up and go to work to support your lifestyle and provide for yourself and your family.
However, ask yourself this - what would happen if one day you lost your ability to earn an income because of injury or sickness? Life wouldn't be all that simple anymore.

What are the odds?

If you're like most, you assume that disability will never happen. It's something that happens to others - never to you. Look again!

In an average year, here are the odds of:

Death: 1 in 117 people die
Fire: 1 in 219 homes catch fire
Car accident: 1 in 18 cars is involved in a serious accident
Disability: 1 in 14 people is disabled




The probability of disability is higher than you might expect...
...and it can last a long time.

The chances of disability lasting 90 days or longer before age 65


Two financial realities of a long-term disability:
Reality #1:

Less money coming in, more going out - a dangerous combination of events. Your income plummets because you cannot work, and your expense grow because now, in addition to everyday costs of living, you must also cover medical expenses and other bills related directly to the disability itself.

Reality #2:

A disability can be financially draining over the long haul. Even at your present income - without factoring in raises or bonuses - think about how much money you'd lose if you suffered a disability that lasted until you were 65.

Options for replacing lost income:

There really aren't many ways to replace the income you lose when you became disabled. This table presents a few ideas, observations and key questions raised by each. How comfortable are you with these options?

Savings It takes long time to build up a significant savings reserve. How quickly would your savings be depleted if you had to live off them?
Non-liquid investments Some have value beyond their monetary worth. Would you get full value for them?
Could you ever replace them?
Loans Borrowing isn't always easy - or possible. Would you qualify? How and when could you pay back a loan?
Other household sources of income Your spouse's income will have to suffice. Could you maintain your family's lifestyle?
What about emotional burden?
Canada/Quebec Pension Plan Disability Benefit To qualify, you must sustain a severe and indefinite mental or physical disability and be unable to work at any occupation. Would you be among the applicants who never collect a cent?
Group Long-Term Disability Insurance A good start, but if you are highly compensated, it may not cover enough of your income. Will your policy replace enough income, and for a long time period, to ensure your lifestyle?
Individual Disability Insurance A sensible option that gives you the control, peace of mind and comprehensive protection you and your family deserve. What are you waiting for?

Here's what you can expect to earn by age 65:


First Name:

Last Name:



(area code)

Date of Birth:

Male: Female:
Describe Daily Duties:
Annual Net Income:
Are you a smoker:
Yes: No:
Employment Status:
Employed: Self-employed:
Monthly benefit of insurance you require:
($500 up to 10,000)
Start date for benefit:
Benefit Period
24 months 36 months
60 months 120 months
Age 65
Return premium option
Yes: No: