Disability Insurance
Disability Insurance
If you are a professional or a business owner, your ability to earn is the foundation everything else is built on. Disability insurance replaces part of your income if an illness or injury keeps you from working. We help professionals and business owners put the right coverage in place, so a health event does not turn into a financial crisis.
Definitions Matter
Own-occupation vs any-occupation
The definition of disability in your policy determines when it pays. This is the most important wording to understand.
Own-Occupation
Own-occupation means the policy pays if you cannot do your own job, even if you could work in a different field. This is the definition most professionals and specialists want.
Any-Occupation
Any-occupation means the policy pays only if you cannot do any job you are reasonably suited for. It costs less, but it is harder to claim on.
We make sure you know which definition you are buying and what it means in practice before you sign anything.
Riders
Riders that are worth a look
Riders let you shape the policy around your life. The ones we discuss most often are:
Cost-of-living adjustments
Future insurability (increase coverage later without new medicals)
Partial or residual disability
Return of premium
We will tell you which ones fit your situation and which ones you can skip.
For Incorporated Professionals
The incorporated professional angle
If you bill through a corporation, how the policy is owned and how premiums are paid affects the tax treatment. We walk you through corporate-owned versus personally-owned structures and work alongside your accountant so the setup fits your overall plan.
How It Works
How it works
01
Book a free consultation
We talk through your income, your occupation, and what coverage you already have.
02
We shop the market
We compare options across 30+ carriers and explain the trade-offs in plain English.
03
You decide
We handle the application and underwriting, and we stay in your corner if you ever need to claim.
Get started
Let’s get the right coverage in place.
Book a consultation in Toronto or virtually, or send us a note and we will be in touch within one business day.
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