Living benefits insurance
Designed to prepare you for the unexpected, critical illness and disability insurance offer the most comprehensive coverage if you fall victim to unfortunate circumstances. Many people only take out insurance policies that protect their family in the event of their death. However, statistically speaking, you’re much more likely to fall victim to an accident or serious illness.
Avoid future debt. If you suffer a disability that prevents you from working and earning an income, your family’s finances could be in jeopardy. Let me make sure you and your family are fully protected if anything happens.
Since your family’s financial security largely depends on your earnings, it’s essential to make sure they’re taken care of if you suffer a disability. You can also feel secure knowing that disability insurance will prevent you from going into debt if you’re unable to return to work for a long period of time.
Critical illness insurance
You want to protect your family’s financial security. Have you thought about insurance that will cover you if you become seriously ill? If you can no longer work and earn an income due to an illness such as cancer, this coverage will protect your finances.
Mortgage insurance: protect your nest
By protecting you from foreclosure if you suffer an accident or an illness resulting in a disability, mortgage insurance can provide you with peace of mind. However, although many financial institutions offer this protection when you take out a mortgage, the coverage they provide often isn’t very favourable to you because it isn’t very flexible.
Disability insurance tailored to your needs will account for factors including:
- Your family situation
- Your profession
- Your current health status
Your advisor will consider all of these elements when comparing different options to find the right one for you.
Supplementary insurance: increase your protection
Did you know that most group insurance plans only cover certain expenses, which can leave you with huge dental bills to pay? If your insurance does not provide adequate coverage, your advisor can help you purchase supplementary insurance. This is also a very attractive option to meet your whole family’s needs, offering comprehensive coverage for every family member.
Insurance for the self-employed
Many self-employed workers stand to benefit from supplementary insurance. It covers:
- Many different medical expenses
- Physiotherapy/chiropractic treatment
- Eye healthcare
- Dental care
Don’t end up saddled with massive bills: make an appointment now to find the supplementary insurance that’s right for you and your family.