Accidents and illnesses are a fact of life. They can happen to anyone at any time.

But what are the chances it could happen to you? Well, if you consider that in one year:

1 in 111 people have their car stolen

1 in 106 people die

1 in 88 homes catches fire

1 in 70 motor vehicles is involved in an accident causing disability, injury or death

1 in 9 people go to Walt Disney World

1 in 8 people get food poisoning

1 in 7 people is disabled

Are you willing to play the odds?
A 1 in 7 chance you will be disabled also means there is a 1 in 7 chance that you will be unable to earn an income.

Can you afford to let that happen?
The second you are disabled, so is your ability to earn an income.

Amount you spend each month:
Where will the money come if you become disabled?

Savings
Are you willing to use your children's education fund or deplete your retirement savings? If you saved 5% of your income each year, you could wipe out 10 years of savings in 6 months!

Loans
You're lucky if you can borrow from family or friends! If you have to rely on a financial institution, you may not be as fortunate. Many banks are reluctant to lend money to someone without an income.

Spousal Income
Can your spouse pay all your monthly expenses and maintain your current standard of living?

Sale of assets
Would you be willing to sell your home or your car? Will you receive a fair market price for these assets? It's not just cash flow, it's your standard of living. Disability insurance coverage is the only way you can protect your standard of living if you become disabled.

Look at the assets you insure now.

Your home Current value: $250,000

Your homeowner's insurance premium: $700

Your vehicles Current value: $30,000

Your vehicle insurance premium: $400

Other assets Current Value:

Your current insurance premium:

Income potential Earnings to age 65: $4,000,000 * [including inflation]

Your current insurance premium: ??? * [inflation protected coverage]

If your income is your most valuable asset, isn't it worth protecting? If you will always need an income, disability insurance is worth a second look. Protect your income with Disability Insurance. You wouldn't have a car if you didn't have an income. But it's protected. You wouldn't have a house if you didn't have an income. But it's protected. In fact, everything you own would not have been possible if you didn't have an income. But they're protected!

Disability Buy-Out Insurance

A Disability Buy/Sell Plan is designed to provide the necessary funds to enable one or more business owners to purchase the shares of a disabled shareholder or partner in the event of Total Disability. This coverage provides sufficient funds to complete the buy-out while guaranteeing a fair price to the disabled shareholder or partner.

Every small and medium sized business which has more than one business owner or a key-person should seriously consider obtaining a disability buy-out plan. What would happen if one of the main owners or key employees became totally disabled for 12-18 months? This plan will ensure that the disabled person is compensated by the plan and the remaining partner(s) obtains 100% ownership of the business, paid for by the insurance, thereby better allowing for future business success and eliminating the critical issue of ownership transfer.

The Buy-Sell Plan is ideally suited for owners of privately held businesses and is usually sold in conjunction with the sale of life insurance used to fund the buy-out of a deceased shareholder or partner. The plan provides a single lump sum payment and the issue limit is generally based on the fair market value of the business at the time of application. Most plans provide payment after a period of 12 or 18 months of total disability of the insured. We conduct reviews of your plan to ensure that over time the amount of your coverage is aligned to the value of the business.

Let Us Shop the Market For You

Your income is your most valuable asset. Without an income, your whole life could change as early as tomorrow. You may not get a second chance. Protect yourself tomorrow with disability insurance today. It will only take a second to begin protecting tomorrow. Please provide us with the following information so that we can show you how little it costs to begin protecting tomorrow!

** It should be noted that medical underwriting is necessary for almost all disability insurance applications. We work with the most recognized and professional paramedical companies in Canada.

We welcome any inquiries you may have regarding disability insurance including your existing group or individual coverage.