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Which Insurance is Right for You?

Life Insurance?
Disability Insurance?
Critical Illness Insurance?


For ALL quotes referenced below:
Rates are based on your age (6 months closest to your next birthday), smoking status, health history, height/weight, Lifestyle (ie…dangerous sports and bankruptcy) and family history.
Life Insurance
  • Coverage to protect your loved ones should something happen to you prematurely. Proceeds normally used to pay off debt or replace income.
  • Pays out a lump sum to your named beneficiary when you pass away tax free.


Disability Insurance (DI)
  • Designed to replace your income if you suffer an injury or illness and cannot work.
  • Rates are based on all of the above information plus Proof of Income and Occupation class.
  • Waiting Periods (ie. 30/60/90 days) Payout Periods (2 and 5 year and To Age 65)
Critical Illness Insurance (CI)
  • Designed to help you focus on recovery after a major illness and help with the additional costs associated with living with an illness.
  • Rates are based on all of the above and heavily on your family history.
  • Provides access to “Best Doctors”- 2nd opinion ………….specialists vs generalists
  • Pays out a lump sum of your coverage amount 30 days after diagnosis of one of these covered illnesses:
Alzheimer’s Disease               
Aortic Surgery                        
Aplastic Anemia
Bacterial Meningitis                
Benign Brain Tumor               
Cancer (life threatening)       
Coronary Artery Bypass Surgery
Heart Valve Replacement     
Heart Attack (Myocardial Infarction)
Loss of Limbs                          
Loss of Speech                        
Kidney Failure
Loss of Independence            
Major Organ Transplant        
Major Organ Failure on Waiting List
Motor Neuron Disease          
Multiple Sclerosis                  
Occupational HIV Infection
Parkinson’s Disease               
Severe Burns                                                               
Stroke (Cerebrovascular Accident)


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