“You” Are The Money Machine.
Your biggest asset isn’t your house or your car. It is your ability to earn a paycheck. What happens if the machine stops?
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The Brutal Truth
How long can you survive without a paycheck? 3 months? 6 months?
📉 Savings Drain Fast
Without income, you will burn through years of savings in mere months. Mortgage, utilities, and groceries do not stop just because you are sick.
🏚️ Lifestyle Collapse
If a disability lasts 2+ years, most families are forced to downsize their home, sell assets, and cancel their children’s future plans.
⚠️ “I’ll Just Rely on the Government”
This is a dangerous gamble.
- CPP Disability: Extremely hard to qualify for. You must be deemed “severely and prolonged” disabled (cannot work any job). The payout is barely above poverty line.
- ODSP / Provincial Aid: Designed as a last resort. Strict asset limits may force you to liquidate savings before helping.
- EI Sickness: Only lasts 15 weeks. Then what?
Private Disability Insurance is the only way to guarantee your current lifestyle.
Why You Need Both: DI vs. CI
Critical Illness (CI)
The “Recovery” Fund
Pays a one-time Lump Sum check.
- Pay off the mortgage balance.
- Fund private medical treatment abroad.
- Renovate home for accessibility.
Disability Insurance (DI)
The “Paycheck” Replacement
Pays a Monthly Income.
- Pays hydro, gas, and groceries.
- Maintains family lifestyle long-term.
- Keeps retirement savings on track.
Are You a Professional?
Engineers, Accountants, Lawyers, Dentists, Medical Professionals and many more often qualify for an exclusive 20% discount on their premiums.
Powerful Contract Features
“Own Occupation”
Ensures you get paid if you can’t do your specific job, even if you are healthy enough to do a simpler job.
Non-Cancellable
The insurer guarantees the price and the wording. They can never cancel your policy or hike rates, even if your health declines.
Future Insurability
Allows you to increase your coverage as your income grows (e.g., promotions) without proving medical health again.
Protect Your Income Before It’s Too Late
You insure your house, your car, and your phone. Why not insure the machine that pays for them all?
Get Your Disability Quote*Discounts subject to occupational eligibility.