Health & disability insurance

What is Health and Disability Insurance?

Health and disability insurance provides financial protection in the event of illness or accidents. This type of coverage is designed to help replace lost income and cover additional expenses related to an illness or injury, such as extended care, prosthetics, medications, and more. Depending on your chosen plan, benefits can include a lump sum payment, monthly payouts, or reimbursement for specific expenses.

I connect you with trusted providers offering three main types of health and disability insurance:

Disability and Income Insurance – Helps replace your income during periods of disability.
Critical Illness Insurance – Provides a lump sum payment upon diagnosis of a covered critical illness.
Accident Insurance – Offers coverage for expenses related to accidental injuries.

Why is Health and Disability Insurance Important?

Life is unpredictable. Accidents, illnesses, or unexpected disabilities can happen to anyone, impacting not just your health but also your finances.

With health and disability insurance, you can face these challenges with confidence, knowing your financial stability is protected. It allows you to focus on your recovery without the stress of mounting expenses or lost income. In short, it provides the peace of mind you need to heal and move forward.

3 Types of Insurance Tailored to Your Needs

1. Disability and Income Insurance

This type of insurance offers monthly benefit payments if you become disabled. Some plans are designed to replace your income, while others help cover your loan or rent payments.

Ideal for you if:

You don’t have disability coverage through your employer and want to secure your income in case of disability.
You need support to cover monthly financial commitments like loans or rent.

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2. Critical Illness Insurance

If you’re diagnosed with a critical illness covered by your policy, this insurance provides a tax-free lump sum that you can use however you need. It allows you to maintain your standard of living and focus on recovery without financial stress.

Ideal for you if:

You want to protect your family’s financial stability while focusing on your health and

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Critical Illness Insurance

Critical illness insurance provides financial support when you need it most—after being diagnosed with a serious illness. It allows you to maintain your standard of living, focus on recovery, and manage the financial impact of a critical illness with peace of mind.

I will connect you with trusted providers offering critical illness insurance solutions designed to support your unique needs.

What is Critical Illness Insurance?
A critical illness diagnosis can have a significant impact on your personal and family finances. Critical illness insurance offers tax-free financial assistance, providing you with a lump-sum payment if diagnosed with a covered illness. The funds can be used however you choose—without the need to justify your spending.

These plans are tailored to cover illnesses that most commonly affect Canadians, ensuring you have the support you need when facing life’s unexpected challenges.

Benefits of Critical Illness Insurance:

Tax-Free Payout: The lump sum payment you receive is completely tax-free.
Flexible Usage: Spend the funds on what matters most to you—no justification required.
Coverage for Medical Expenses: Help cover costs like medications, adapted equipment, rehabilitation, and private medical treatments not covered by public health insurance.
Financial Security: Offset income loss or decreased income during your recovery.
Home and Family Care: Use the funds for services like home care, meal preparation, or tutoring for your family.
Recovery Time: Gain financial flexibility to extend sick leave or reduce work hours, allowing you to focus on recovery.

Critical illness insurance ensures you can focus on getting better while minimizing financial stress. I am here to guide you in finding the right plan for your peace of mind.

Take the Next Step:

Calculate Your Needs: Understand how much coverage is right for you.
Find a trusted provider: Get connected with a trusted insurance provider.
Customer Service: Receive personalized support to address your questions.

Your recovery should be your priority—let critical illness insurance help make it possible.

3. Accident Insurance

This insurance provides a lump sum payment or reimbursement for accident-related expenses. Some plans may also offer monthly payments to help manage your financial obligations during recovery.

Ideal for you if:

You’re unable to work due to an accident and need financial support to handle unexpected costs.

I am here to help you choose the right coverage to protect yourself and your loved ones.

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