Disability Insurance

protect your income!

Disability insurance works when you can’t!  If an illness or accident keeps you from working, disability insurance can give you a monthly income to help pay for ongoing expenses.

How much will you earn in your lifetime?

Consider your earnings between now and age 65 based on your current income and age. (total potential earnings to age 65, assuming 2.5% increase per year)

Current Age

Current Income

$50,000 $70,000 $100,000 $150,000 $200,000
30 $2,746,410 $3,844,975 $5,492,821 $8,239,231 $10,985,641
40 $1,707,888 $2,391,043 $3,415,776 $5,123,665 $6,831,553
50 $896,596 $1,255,235 $1,793,193 $2,689,789 $4,482,981

Over a 30 or 40 year career, your accumulated income is likely to be far more valuable than any other asset you’ll own.

We all insure our homes and our vehicles because most of us cannot afford to lose them.  What are we doing to protect our ability to earn a living?  During a disability you won’t only need to cover current expenses to maintain your lifestyle – you might also have to deal with additional costs, such as paying for childcare, medication or home modifications.

disabilities are a fact of life

1 in 4 Canadians are at risk of becoming disabled for 90 days or more before the age of 65*

*Cdn Institute of Actuaries (CIA) 86-92 & 2012 Society of Actuaries

what’s the cost?

The cost to insure a portion of you income is determined by plan design along with many other factors.  A plan can be tailored to suit your personal circumstances!

Talk to us!  We will design a plan to fit your needs.

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Fill out the form and let us know how we can make a customized plan for you!