Disability Insurance
Protect your income if you can't work.
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Disability insurance replaces a portion of your income — often up to 60–70% — if an illness or injury prevents you from working. For self-employed people and professionals without employer sick-leave or long-term disability benefits, it is the foundation of financial security.
Without it, a prolonged absence from work could mean drawing down savings or going into debt. With it, your income — and your family's lifestyle — stays protected while you recover.
Your ability to earn is your most valuable asset. Disability insurance protects that asset the way home insurance protects a house.
What's included
Income replacement
Receive monthly payments while you are unable to work.
Own-occupation options
Define disability based on your own specialty or job.
Flexible waiting periods
Choose how long before benefits begin.
Renewable to age 65
Coverage continues through your working years.
Things to consider
- Benefit amounts are based on your earned income — have proof of income ready.
- The definition of disability (own occupation vs. any occupation) affects both cost and claims.
- Benefits are generally taxable if the premium is paid by an employer, and tax-free if you pay the premium yourself.
Who it's for
Self-employed professionals, business owners, contractors, and anyone whose income depends on their ability to work.
How we help
We structure the definition of disability, waiting period, and benefit period to match your income and budget, and we coordinate with any group coverage you may have.
Ready to explore disability insurance?
Book a no-obligation consultation and we'll help you find the right coverage.
Book a ConsultationPlease note: Coverage is not guaranteed. Approval depends on your individual application, your personal circumstances, and the insurance company's review and underwriting decision. Final eligibility, terms, and premiums are determined by the insurer.