Income Protection

We have innovative solutions for all your risk management needs. In our approach to risk protection we don’t just insure against death. We also offer protection against losing your  ability to earn an income, should you become disabled through sickness or accident.

This benefit guards your greatest asset – your power to earn. It provides for a monthly payment to be made to an  individual who is  unable to work due to sickness or injury. It is essential for anyone with a spouse or a family, who is dependent on  your income.

Some of the built in features can include:

  • Guaranteed Renewable
  • Indemnity or Agreed Value Options
  • Choice of Benefit Terms
  • Waiting Periods
  • Waiver of Premium
  • Waiver of Waiting Period
  • Partial Disability Benefit
  • World-wide Coverage
  • Bed Confinement Benefit
  • New Business Cover
  • Rehabilitation Benefit
  • Mortgage Protection Cover

Eligible Ages
16 to 55, or to age 60 if working in a managerial,   professional, or  clerical job. (Individual consideration above this age   group.)

Eligible Occupations
Most occupations are acceptable, however, some high risk occupations are  uninsurable. To confirm eligibility, please contact us.

Term of Cover
Up to age 60 and often  65.