Personal Disability
You have 1 in a 3 chance of getting a severe personal injury before the age of 65. If you are not sure if your employer has an employee protection plan or you are not sure of the details, review it with us with an eye for detail on the policy.
Employee Coverage
To show your employees that you care and to improve retention you can incorporate a Long Term disability plan into your total compensation strategy. It is tax efficient, helps with retention and improves employee engagement. You can also just cover key employees who make a major impact.
The Business and the Owner
As a small or medium business owner , it can be hard to take a day off or take a vacation. In some cases you are the only person in the Company. You should protect not only your income but all your expenses. Do you have partners or other share holders? Protect your invesment with a Buy- Sell agreement.
Homemakers and the Hard to Insure
Are you or your partner doing the rewarding but difficult and expensive to replace work of a stay at home parent? Are you hard to insure because of medical conditions, history or budget? We also deal in special market products which may suit your needs.