Your ability to earn is the asset every other plan depends on. Disability insurance replaces income when illness or injury interrupts it — and for business owners, keeps the company's lights on at the same time.
The most overlooked coverage in Canada — and the one most people are quietly underinsured for.
Benefits that pay when you can't do your job — not just any job — with definitions read line by line before you sign.
Group formulas routinely underinsure real earnings, especially bonus, commission and dividend income. We structure coverage around how you're actually paid.
Rent, payroll and leases don't pause for your recovery. Overhead coverage keeps the business solvent while you heal.
Personal policies layered against any group plan — no gaps, no paying twice for the same dollar of benefit.
A 45-minute diagnostic conversation. No cost, no deck, no product. If we can't add value, we'll tell you in the first meeting.
Book the Diagnostic