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Life Insurance Experts

Living Benefits

Serving Clients Virtually in Vancouver, BC

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.

CANADIANS OFF WORK DUE TO A DISABILITY FACE A PERFECT STORM

43%

CANADIANS OFF WORK DUE TO A DISABILITY FACE A PERFECT STORM

1 in 3

Canadians will experience a period of disability lasting longer than 90 days during their working lives*

BEING OFF WORK TAKES
A FINANCIAL & EMOTIONAL TOLL

48%

Canadians not financiallv prepared to be off work

81%

Canadians upset about not being able to work

78%

Canadians said finances were tight when off work

STRESS ON THE FAMILY

76%

said it was stressful for the entire household

31%

aid their able partner had to find extra work to make ends meet

50%

said family relationships were strained

STRESS ON THE FAMILY

17%

took on more debt

17%

borrowed money from family and friends

29%

ipped into savings to pay for expenses

9%

cashed in RRSPs

Tips to help workers off with a disability

Investigate how your workplace benefits define a disability, and what is and isn't covered. Ask about employee assistance programs.
Ask your medical professionals about services or programs that are available to make sure you're getting the care you need to recover.
Be proactive and formulate a "return to work plan" with vour emplover and family.
Explore your 'Return to Work Benefits' such as financial planning, job search and retraining, rehabilitation and other services to help make a smooth transition back into the workolace.

Critical illness

Critical illness insurance can be a low-cost way of buying peace of mind knowing you have coverage should a sudden critical illness arise. If you're unable to work and don't have long term disability insurance, a critical illness insurance policy is worth it
The annual premium cost depends on several factors, including your age and general health, the number of critical illnesses included in the policy, and the length of term (i.e. either 10 or 20 years, or up to a specified age 75 or 100).
After comparing quotes and speaking with an insurance broker, you begin to pay premiums, either monthly or annually, to cover the potential risk of contracting a critical illness. Should you be diagnosed with an illness outlined in your policy, you can file a

In the market for critical illness insurance? We'll connect you with a verified Canadian life insurance broker to help you uncover the level of coverage needed to protect you and your family.

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We serve clients across BC, Alberta & Ontario​

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Life Insurance Expert combines the expertise of some of the most renowned Insurance carriers in Canada

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