0%
on-time claim submission support
Income protection when you can't work
Disability Insurance
Disability insurance replaces a portion of your income if illness or injury keeps you out of work, so your household budget stays intact.
- Short-term and long-term disability coverage options
- Income replacement sized to your occupation and earnings
- Especially important for self-employed and commission-based earners
Licensed & regulatedEvery recommendation comes from a licensed Canadian advisor.
0
client satisfaction rating
0prov.
Alberta, British Columbia, Ontario coverage
Coverage and strategy
Built for real decisions, not generic checklists.
Each recommendation is customized to your goals, eligibility profile, and budget priorities.
Short-term disability coverage
Bridge income during recovery from surgery, injury, or short-term illness.
Long-term disability coverage
Protect income over extended periods when a condition keeps you from working your occupation.
Self-employed income protection
Coverage designed for business owners and contractors without employer disability benefits.
Own-occupation definitions
We explain how 'own occupation' versus 'any occupation' definitions affect your payout eligibility.
Regional planning support
Disability insurance guidance by province
Explore province-specific disability insurance planning for major cities across Alberta, British Columbia, and Ontario.
Disability Insurance in Alberta
Income protection guidance for Calgary, Edmonton, Red Deer, and Lethbridge households.
View pageDisability Insurance in British Columbia
Coverage planning for Vancouver, Surrey, Burnaby, Richmond, and Kelowna families.
View pageDisability Insurance in Ontario
Income protection support across Toronto, Mississauga, Brampton, Ottawa, and Hamilton.
View pageHow it works
Clear steps from first call to active coverage.
Discovery call
We understand your profile, priorities, and risk tolerance before recommending any product.
Market comparison
We compare options across insurers and explain trade-offs in plain language.
Application support
From forms to underwriting notes, we help you submit accurate details quickly.
Ongoing reviews
We revisit your policy each year to keep coverage aligned with life changes and budget.
Common questions
Answers before you apply.
Available benefit amounts depend on the insurer, policy, occupation, earnings, and existing coverage. We help you compare eligible benefit amounts and policy definitions.
Short-term covers weeks to months; long-term covers extended periods, sometimes until retirement age.
Employer coverage often has caps or gaps. We review your existing benefits and recommend supplemental coverage if needed.