Disability Insurance

Disability Insurance is also known as income replacement insurance and insures your income in the event that you become disabled and are unable to work. Many self-employed people and contractors use this form of coverage as they are not covered under any group benefit plans. Disability Insurance can also be added as a rider onto your life insurance policy.

Qualifications

You should be working a minimum of 25 hours per week and have a regular income.

Things that can be covered

Any injury or illness which prevents you from performing any and all duties as long as you are under a doctor’s care.

Premiums based on

Age, occupation, income amount to be covered, sometimes smoking habits, and current health status. We also offer Injury-only plans, where health status is not an issue.