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Get personalized life insurance quotes and apply to get affordable coverage today
Get personalized life insurance quotes and apply to get affordable coverage today
1-888-203-2224
Living benefits are financial protections that provide funds while the insured is still alive, offering support during a critical illness, disability, or long-term care needs. These benefits can come from specialized policies like disability, critical illness, and long-term care insurance, or as riders on a life insurance policy that allow access to a portion of the death benefit early. This financial assistance can cover medical costs, replace lost income, or help with daily living expenses.
Living benefits are financial protections that provide funds while the insured is still alive, offering support during a critical illness, disability, or long-term care needs. These benefits can come from specialized policies like disability, critical illness, and long-term care insurance, or as riders on a life insurance policy that allow access to a portion of the death benefit early. This financial assistance can cover medical costs, replace lost income, or help with daily living expenses. If you’ve always thought of life insurance as something you never get to use, it’s time to take a fresh look at living benefits and the value they bring to life.
Critical illness insurance is a valuable tool that provides financial support in the event of a serious illness diagnosis, offering peace of mind and security during difficult times.
If you meet the criteria after answering the medical questions, you instantly qualify for life insurance without the need for medical underwriting.
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Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working. It ensures you can continue to cover everyday expenses like your mortgage, groceries, and childcare while focusing on recovery. This plan can help you meet your financial obligations so you can avoid dipping into your retirement savings.
You receive tax-free income benefits that help you stay financially stable during recovery — ensuring you can focus on your health, not your bank account. It replaces most of your paycheck, potentially 70%-90% of your pay.
A disability can happen to anyone, at any time. Statistics show that 1 in 3 Canadians will face a disability lasting 90 days or longer before age 65.
Without income protection, even a few months off work can lead to:
Missed mortgage or rent payments
Credit card debt or loan defaults
Financial stress that affects your entire family
Disability insurance ensures your income continues even when you can’t.
Families with young children who depend on one or two incomes
Self-employed professionals or small business owners without employer benefits
Employees who want to enhance limited workplace coverage
Anyone who values financial security and independence
As your trusted life and living benefits brokerage, we’ll help you:
Our approach is educational, transparent, and personalized so you feel confident every step of the way.
1. Is disability insurance expensive?
Not necessarily. Coverage can be tailored to your budget and income. Most people find the cost is just a small percentage of what they earn a worthwhile trade-off for peace of mind.
2. Do I need it if I have workplace benefits?
Group plans often provide limited protection and may end when you change jobs. A personal plan stays with you no matter where you work.
3. What’s the difference between disability and critical illness insurance?
Disability insurance replaces your income while you recover; critical illness insurance provides a lump-sum payment after diagnosis. Together, they create a strong safety net.