Disability Insurance

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SUPERIOR PROGRAM

This disability insurance provides comprehensive personal coverage and is designed for:

  • Self-employed workers/Employees
  • Business owners

​- Monthly benefits ranging from $500 to $10,000 according to occupation class
– Benefit period: 2 years, 5 years or up to age 65
– Waiting period: 0 day (accident only), 14-30-60-90-119 days
– Option + for all our waiting periods: benefits are payable as the 1st day further to an accident
– Premiums for consecutive 5-year periods or up to age 65
– Integrated and/or non-integrated benefits
– Extension of accident coverage up to age 75 without evidence of insurability
– Waiver of premiums automatically included

– Risk classified based on occupation (4A, 3A, 2A, 1A and B)
– Optional occupation class enhancement

– First 24 months: regular occupation
– As of the 25th month: any reasonable occupation
– Option to extend the “regular occupation” period of the definition of total disability

– At age 55, 60 or 65, as the Insured chooses
​- Coverage equal to 50% of premiums paid less any disability claims

– Overhead Expense Insurance: from $500 to $6,000 per month
– Term Life Insurance at Age 65: from $10,000 to $1 million
– Critical Illness Insurance (6): from $20,000 to $200,000
– Accidental Death, Dismemberment or Loos of Use: from $30,000 to $500,000
– Accidental Fracture and Extended Medical Care Further to an Accident: $5,000 or $10,000
– Hospital Benefit: benefits ranging from $20 to $140 per day of hospitalization
– Travel Insurance: up to $5 million
– Extended Health Insurance and Death Care Insurance (Quebec Only)

 Be between the ages of 18 and 59 inclusively and work at least 21 hours per week on a regular and continuous basis or eight months er year totaling 1,050 hours per year.

ACCXEL

A disability insurance product that offers customized coverages in the event of accident and/or illness to meet all the specific needs of:

  • Seasonal workers
  • Individuals without remunerative work
  • People who work in high-risk occupations

– No refusal based on type of occupation
– Premiums based on age at the time of purchase
– Waiver of premiums automatically included

  • Monthly benefits ranging from $300 to $3,000 with remunerative work
  • Monthly benefits ranging from $300 to $1,000 without remunerative work
  • Benefit period for accident: 1 year, 2 years, 5 years, up to age 65
  • Benefit period for illness: 1 year, 2 years, 5 years
  • Waiting period for accident: 1 day, 14 days, 30 days, 60 days
  • The first $1,000 in benefits is not integrated for the first two years of disability

– At age 55, 60 or 65, as the Insured chooses
– Coverage equal to 50% of premiums paid less any disability claims

– Overhead Expense Insurance: from $500 to $3,000 per month
– Accidental Death, Dismemberment or Loss of Use: from $25,000 to $200,000
– Accidental Fracture and Extended Medical Care Further to an Accident: $5,000 to $10,000
– Hospital Benefit: benefits ranging from $20 to $140 per day of hospitalization
– Refitting Further to an Accident: lifetime maximum of $25,000

– Be between the ages of 15 days and 79 years inclusively, depending on the selected coverages.

Creditor Insurance Product

UNIVERSAL LOAN INSURANCE

A disability insurance product that offers unique, comprehensive coverage for all an Insured’s loans with a financial institution.

  • A single contract to cover all loans
  • Coverage can be transferred from loan to loan
  • Waiting period: 30 days, 60 days and 90 days
  • Option + for all out waiting periods: benefits are payable as the 1st day further to an accident
  • Premiums for consecutive 5-year periods or up to age 65
  • Extension of accident coverage up to age 75 without evidence of insurability
  • Waiver of premiums automatically included
  • Progressive return to work

– Mortgage loan
– Loan for car, boat or motorcycle (lease or purchase)
– Line of credit
– Personal loan
– Credit cards
​- Any fixed term loan with regular payments

– Payable directly to the insured
– Monthly benefits ranging from $300 to $5,000
– Benefit period: 2 years, 5 years or up to age 65
– Non-taxable, non-integrated

– Risk classified based on occupation (4A, 3A, 2A, 1A and B)
– Optional occupational class enhancement

– First 24 months: regular occupation
– As of the 25th month: any reasonable occupation
– Option to extend the “regular occupation” period of the definition of total disability

– Term Life Insurance at age 65: from $10,000 to $1 million
– Critical Illness Insurance (6): from $20,000 to $200,000

– Be between the ages of 18 and 59 years inclusively and work at least 21 hours per week on a regular and continuous bases or eught months per year totaling 1,050 hours per year
– Be responsible for a loan
– Individual on parental leave or spouse without remunerative work is also eligible.