Living Benefits

Living Benefits

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Disability Insurance

For an individual his greatest asset is his ability to work and earn a living. The loss of this ability could result in financial disaster for most. Disability insurance can provide you with financial security by replacing a portion of your income when you are unable to work because of an accident or illness. By providing a monthly benefit, it can help you and your family maintain your lifestyle while you focus on recovery. 

Anyone can incur disability at any time. Young adults have a far greater chance of disability before the age of 65. Better safe than sorry. You can opt for two policies to cover you in the case of disability:

  • Accident only or
  • Accident or illness

There are several reasons to consider Disability Insurance:

  • Work compensation covers only work-related accidents.
  • Unemployment insurance seldom covers more than 15 weeks.
  • Government pension plans can change without warning.
  • Custom designed Disability Insurance Plans are the only way to safeguarded you financially through guaranteed premiums and coverage.
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Critical Illness Insurance

Unexpected health problems can throw your plans and goals off track. Getting sick can be expensive and not all bills will be covered by provincial health plans. Medical advancements mean more people survive illnesses – like cancer and stroke than ever before, but recovery can be long and difficult.
Critical Illness Insurance offers financial support during life-altering illnesses such as cancer, cardiac ailments and bypass surgery. If your policy covers the illness, you receive a lump sum amount of money. The money is yours to use however you like.

Cancer, cardiac failure and other ailments are increasingly being claimed by Canadians of all genders and ages. Can you shoulder the high medical costs without creating a dent in your savings? With Critical Illness Insurance, these costs can be covered.

Depending on the policy you have chosen, your Critical Illness Insurance funds can cover the following:

  • Medical care
  • Home-nursing, rehabilitation, childcare services
  • Medical assistance devices such as an electric wheelchair
  • Mortgage, car loans, credit cards
  • Business expenses
  • Home modification costs such as installing a ramp etc.
  • Higher disability insurance coverage
  • Cost of children’s education
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Long Term Care Insurance

Long-term care insurance generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer’s facilities. If home care coverage is purchased, long-term care insurance can pay for home care, often from the first day it is needed. It even pays for visiting a housekeeper, a therapist up to 7 days a week, 24 hours a day.Many individuals may feel uncomfortable relying on their children or family members for support, and find that long-term care insurance could help cover out-of-pocket expenses. Without long-term care insurance, the cost of providing these services may quickly deplete the savings of the individual and/or their family. The baby boomers generation’s retirement @ 60 + the demand for care facilities & home care will be huge, also the cost burden to support family members is continuously on a rise.
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Health & Dental Insurance

Are you always concerned about the medical expenses you’ll have to start paying out the blue for some sudden health issues that spring up?Health & dental insurance policies are just the one’s which are made for you. These policies cover the cost of medical treatmentsso you don’t have to worry about them.Whatever your prime focus may be, be it prescription drugs, dental care, extended health care or a combination of them, we shall help you design a plan which suits you & your budget best.

Dental insurance policy is basically a type of health insurance which is designed specially to serve your costs associated with your dental care.There are several different types of individual, family, or group dental insurance plans; which can be chosen to suit one’s needs.

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Accidental death and Disamament Insurance

Accidental death insurance as the name suggests is a preventive course in case of accidental deaths. This insurance will pay benefits in addition to any life insurance but only up to a set amount total regardless of any other insurance held by same insurer.Some of the covered accidents include traffic accidents, exposure, homicide, falls, heavy equipment accidents, and drowning. Accidental deaths are the fifth leading cause of death in theU.S as well as in Canada.

Accidental death insurance is not an investment vehicle and thus clients are paying only for sustained protection. Insurance premiums are expected to rise in time. Most policies have to be renewed periodically (with revised terms), although the client’s consent with renewal is often implicitly assumed.

Fractional amounts of the policy will be paid out in case of dismemberment i.e. if the covered employee loses a bodily appendage or sight because of an accident. Additionally, this policy generally pays benefits for the loss of limbs, fingers, sight and permanent paralysis. The types of injuries covered and the amount paid vary by insurer and package.

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