Disability Insurance

Adding a permanent participating life insurance policy to your financial plans can improve the rate of return and reduce the risk in the investment portfolio.

What can life insurance bring to your investment plan?​



Rate of return


An Instant Legacy


Part of the premium for participating whole life insurance flows into the company's participating account and is invested. You benefit from a diversified mix of investments including a significant fixed-income portfolio for stability; and a combination of non-fixed investments including equities for long-term growth. You are eligible to participate in the earning of the participating account through dividend payments.


Once a dividend is paid, it is 100% vested and can never be taken away. Plus, the cash value of the policy will never decrease, regardless of market conditions.

Rate of Return

Dividends that accumulate within the policy grow on a tax-advantaged basis. This offers the potential for a higher rate of return than non-registered savings vehicles that are taxed annually.


Access to the cash value? without the time restrictions of locked-in investments or the market volatility of equities.

An instant legacy

Tax-free payment at death to your beneficiarylies).

Disability Insurance​

     More than one in three adults will suffer a serious disability before age 65. Contrary to the cliché, our single biggest asset is not usually our home but rather our ability to earn an income. Disability insurance pays a monthly benefit in the event that one is unable to work due to illness or injury. Some people may have adequate disability insurance through their employer but those who do not need to consider a private policy.

     Being off work due to a disability can have a huge impact on both your financial and emotional well-being. A recent RBC Insurance survey shows that nearly half (48%) of Canadian workers say they weren’t financially prepared to be off work due to a disability and 78% said that finances were tight. Emotional stress also took its toll with 81% indicating that they were upset about not being able to work and 76% saying the situation was stressful for the entire family. Ask us on how you can maybe eligible for a discount on RBC Disability products.

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