Who needs disability insurance?


Between the ages of 25 and 55, you’re more than twice as likely to become disabled as die.


Who needs disability insurance?

Who will support you if you can no longer work? Could you move in with family? Would you want to?

Single workers need disability insurance. Families with children and a single worker need disability insurance. If you are a dual income couple, you both need disability insurance.


If the unexpected happens – you become too sick or hurt to work – would your savings or the disability benefits you receive through your employer be adequate?


Individual disability income insurance helps protect a portion of your income and provides financial protection if you become disabled for an extended period of time. Anyone who depends on their income to pay the bills or maintain their lifestyle should consider disability income insurance protection.


Key Features of Disability Income Insurance

  • Helps protect a portion of your earned income to help maintain your current lifestyle.*
  • Can complement existing disability benefit coverage that may be available to you.
  • Fully portable. You own the policy and can take it with you throughout your career.
  • Benefits are usually tax free.**
  • Flexible solutions for various income levels.

Do you need Supplemental Health Insurance?


Supplemental health insurance is a type of insurance policy designed to cover the gaps that your regular health insurance may have due to deductibles and co-payments. It covers additional expenses that your primary insurance doesn’t cover, such as lost income and living expenses. Those who should consider this type of insurance are the self employed, families with children, those financially unprepared to handle large medical bills or time off from work due to illness or injury.