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Lifestyle Protection

"You need insurance, not only because you are going to die, but because you are going to live"

Dr. Marius Barnard

Critical illness Insurance is designed to meet the financial needs associated with recovery from a life- threatening or life- altering illness. It provides you with a lump sum payment if you are diagnosed with one of the illnesses covered by the policy such as stroke, cancer or heart disease.

Disability Insurance replaces a portion of your income when you are unable to work due to illness or injury. Disability insurance pays monthly while you are unable to work. The amount of coverage you are eligible for is based on the amount you were earning before you became disabled.

Long Term Care Insurance provides the necessary financial support to cover a wide variety of services that result from a prolonged illness, disability or cognitive disorder. Covered services can range from private duty nursing care to more sophisticated services offered through nursing homes.

Did you know?*

  • One in three people, on average, will be disabled for over 90 days before age 65?
  • One in 2 men and one in 3 women are predicted to develop heart disease in their lifetime?
  • One in 2.4 men and one in 2.7 women living in Canada will develop cancer in their lifetime?

*1985 Commissioners Disability report

Can you continue to provide for your family if you became disabled or critically ill? Could you continue to run your business? Would your family be able to maintain its current lifestyle in the event of your becoming critically ill, disabled or in the event of your death? Living benefits often are much less expensive than you think. Contact me for a no obligation quote.