Life is full of significant moments. Some of
them you plan, like buying a home or starting a
new business. Others you don’t, like divorce or
becoming sick or hurt. Either way, these are the
events that shape your life. These are also the
moments that may affect your financial stability.
Just imagine what would happen if you
became too sick or injured to work and your
income suddenly stopped? Sure, you may have
protection at work through a group long term
disability plan, but do you realize that many
plans cover 60% of base salary and often don’t
cover bonus, commissions or other incentive
income?Also, the benefit amount under a
typical group plan is taxable. And what would
happen to your ability to save for retirement?
What if you were not able to go
back to work for a significant
amount of time?
What if you run a business? Have you
considered insurance protection that can
help you cover the operating costs of your
business? Provides the funds for a partnership
buyout should a business partner become
disabled? Replaces a portion of lost earnings
— either yours or your employees’? Or helps
protect your or your employees’ ability to
continue saving for retirement.
We can help. No matter which policy
you choose, all have the same objective — to
provide the coverage to help meet your
specific and changing needs.
Do you work full-time or part-time? Do you
already have disability income insurance
coverage at work? No matter what your
personal situation is, we have a solution that
may be suitable for you. Our individual policies
are non-cancellable to age 65 and portable,
meaning you personally own your policy and
it can stay with you throughout your career.
Our disability income insurance coverage can
help replace a portion of lost earnings — or
can protect a larger portion of your income by
supplementing employer-provided coverage —
and can help provide return-to-work benefits.
We tailor our individual policies to your
particular needs to provide coverage that’s
meaningful to you.
You’re probably contributing to
a retirement plan, but are you
protecting your ability to continue
to save for retirement while too
sick or injured to work?
Many people are living longer and spending
more of their life in their retirement years.
Saving for a comfortable retirement may be
much more important today than it was years
ago. If you already have a retirement plan, you
may already be ahead of the game. But just
saving money may not be enough.
You can help protect your ability to save
for your retirement in the event of a total
disability with an individual disability income
insurance policy.
If you are a business owner, the responsibility
of owning and managing your business rests
on your shoulders. In the event of a disabling
illness or injury, we can provide support.
While you recuperate, a disability
income insurance protection can help cover
day-to-day business overhead expenses for up
to two years, and can provide the funds for the
purchase of the insured’s share of the business
in the event of total disability.
If you are in the entertainment industry or if you are a professional athlete, contact us for our specialty options.
