Disability, Critical Illness & Long Term Care Insurance
Long-term Care, Disability and Critical Illness insurance
Help protect one of your most valuable assets – your income – from unexpected events through long-term care, disability and critical illness insurance.
Long-term Care and Disability Insurance
Income is important for both current financial obligations (e.g. grocery bills and mortgage payments) and for future financial security (e.g. planning for your children’s education or for retirement). Just think what might happen if you suddenly lost your income stream through a long-term illness or disability.
Long-term care and disability insurance products help protect your ability to earn an income, which can be affected if you are afflicted by a disability or other condition.
Our Advisors can help you choose the long-term care and disability insurance products that provide advantages like:
* Helping maintain your financial independence, lifestyle and long-term financial security plan in the event your income is impacted by disability
* Assist with paying fixed expenses for your business if you become disabled
* Support the buy-out of a disabled partner’s share of a business
Let us help you tailor your financial security plan so it protects your income through long-term care and disability insurance. Contact us today to find out how.
Critical Illness Insurance
Suffering a critical illness is distressing for both you and your family. Help ease the burden through insurance that will help reduce financial stresses and can complement disability and life insurance protection needs. By helping pay for the additional expenses often associated with a critical illness or condition, insurance offers you, your family, and if applicable, your business, added financial security—so you can focus on recovery.
The advantages of critical illness insurance can include:
Coverage for up to 24 critical illnesses or conditions
An initial lump-sum benefit you can use however you wish—from making mortgage payments to seeking medical treatment outside Canada
Home-care costs during illness and recovery periods
Even if you’re not disabled from working, you may receive payment
The ability to provide a return of premium benefit (optional)
Individuals who cannot obtain disability insurance in some cases still qualify for critical illness coverage (e.g. a non-income earning spouse)
Contact us today to determine whether critical illness insurance fits into your financial security plan.
Health and Dental Insurance
Depending on your situation, you may or may not be covered under an employer’s group benefits plan. If not, we can help you choose a health and dental plan that can help cover out-of-pocket medical and dental expenses for you and your family. These plans are designed to provide various levels of enhanced healthcare protection, depending on your needs and the stage of life you’re in.
When designing your customize heath and dental insurance package, you can choose from an array of services. Options include:
Prescription drugs, which many consider one of the most valuable forms of health coverage.
Paramedical services, ranging from the use of an ambulance to a visit to the massage therapist.
Vision care if you or your family members wear glasses or contact lenses.
Protection while on vacation or a business trip with out-of-country medical coverage.
Access to private or semi-private hospital rooms.
Dental care can include basic dental work as well as a portion of orthodontics, depending on your level of coverage.
Contact us to find out more about enhanced healthcare and dental protection for you and your loved ones.