Disability Insurance

Becoming disabled through an injury or sickness can mean a significant loss of
income. Disability insurance is a form of health insurance that provides a person who becomes disabled with income to cover living expenses that continue in spite of the disability.

This will protect your income up to 66% and 65 years.  You can choose when to start the benefits coming and how long to receive it. The less money a company is liable for - the lower your monthly rate is going to be. Very important part in Disability Insurance contract plays your current occupation. The riskier it is the lower benefit amount will be available. Please keep in mind that an applicant must prove his/her income to qualify for 2/3 of it in benefits. On top of occupational a regular medical underwriting will be administered.

Difference between good and not so good policy.
Good policy will not request you to take any job just to get you off benefits. It will keep the terms and conditions of the contract as of the day it was signed and will not change it at the time of claim.

You cannot cover your income over 70% with any number of policies.

To find out more information, fill out our no obligation disability quote form, and one of our friendly agents will contact you.