What is your most valuable asset?   

Your Car??    Your Home??    Your Earning Potential??

What does it cost each year to insure assets like your home and vehicles?

So, then doesn't it make sense to protect your potential income even more?  

Here's Why:
Current Age:                      35
Current Income:                 $48,000
Annual Increase:                 5%
Years to 65:                       30
Potential Income:                $3,189,065

The reality is disability strikes more often than you think and without protection, it can shatter your financial security. 

What happens if you can't pay the mortgage or the car loan? 

The bank will foreclose on the mortgage and repossess the car! 

Chances of becoming disabled...  for 3 months or longer before age 65

    Derived from 1985 Commissioners Individual Disability Table A.

Age	Percentage
25	58%
30	54%
35	50%
40	48%
45	40%
50	30%
55	23%

  
When evaluating your need for disability protection, ask yourself:
  1. How much income do I need to survive?
  2. Where will that money come from?

Why should you consider personal disability insurance?
 • Worker's Compensation only covers work related accidents.
 • Employment insurance only covers 15 weeks.
 • Canada Pension Plan: Are you comfortable relying on the government for a benefit that can change?
 • Group and Association Coverage can fill a valuable role in long-term disability protection. However, the benefit may be limited by the definition of disability and coverage amount.

A custom designed individual disability plan provides guaranteed coverage and guaranteed premiums.