Self-employed
The protection often needs to replace what a group plan does not cover. Fixed expenses and business structure also matter.
Personal insurance
Disability insurance
Protect your income if illness or accident prevents you from working.
Priority
Your income pays for almost everything else
Disability insurance is designed to replace part of your income when illness or accident prevents you from working.
It can be especially important if you are self-employed, a business owner, an employee with limited group coverage or the main financial support at home.
Key points to review
- Waiting period before benefits begin.
- Potential benefit duration.
- Definition of disability in the contract.
- Coordination with protection already in place.
Employee
A group plan can help, but the amount, limits, exclusions and exact disability definition should be reviewed.
Business owner
The discussion may include personal income, overhead expenses, key employees and continuity of operations.
Family
We validate the concrete impact of lower income on the budget, mortgage, children and goals already planned.
My approach
Adapt the protection to your real work situation
Two people with the same income may have very different needs depending on their work, obligations, emergency reserve and existing protection.
Benefits, exclusions, definitions and guarantees depend on the selected contract and underwriting review.
Want to review income protection?
The first meeting is used to inventory what is already in place.