What Happens If Your Income Stopped Tomorrow?
Most Canadians are just one accident or illness away from financial hardship.
I help families & professionals protect their income with tax-free cash benefits.
Most Canadians are just one accident or illness away from financial hardship.
I help families & professionals protect their income with tax-free cash benefits.
Most families can only survive 3-6 months without income. Use this calculator to see your personal gap and understand how much protection you really need.
OHIP covers your medical care, but what about everything else?
That's where living benefits come in.
Choose the coverage that fits your needs, or combine them for complete protection.
Monthly income replacement if you can't work due to injury or illness
Cash benefits when you're hospitalized for an accident or illness
Lump sum payment when diagnosed with a major illness
Example: Accident & Sickness Coverage Plans
| Benefit | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Daily Hospital Confinement | $100/day | $200/day | $400/day |
| Daily Intensive Care | $400/day | $800/day | $1,600/day |
| Recovery Benefit (min 10 days) | $100/day | $200/day | $400/day |
| Outpatient Surgery Benefit | $1,000 | $2,000 | $4,000 |
| Ambulance Reimbursement | Up to $200 | Up to $400 | Up to $800 |
All plans include:
✓ Tax-free cash benefits | ✓ Paid in addition to other insurance | ✓ 24/7/365 coverage | ✓ Guaranteed renewable
Find the Right Plan for YouGetting protected doesn't have to be complicated
Schedule a free 20-minute call to discuss your situation and coverage needs
I'll present customized coverage options and explain everything in plain language
Simple application process, then you're covered and can focus on what matters
No pressure. No obligations. Just honest advice.
Schedule Your Free Consultation
I've built my practice on three simple principles that put your financial security first:
Get answers to the questions most people ask
Employer coverage often ends when you leave your job, may have limited benefits, and usually covers only 60-70% of income (often taxable). Personal coverage follows you regardless of employment, provides tax-free benefits, and can be customized to your actual needs.
Yes, when you pay the premiums personally (not through your employer), the benefits are typically tax-free in Canada. This means you receive the full benefit amount without any tax deductions.
That's great! These policies pay benefits in addition to any other insurance you have, including employer coverage, Workers' Compensation, or government programs. We can review your existing coverage and identify any gaps.
Cost depends on your age, coverage level, and which products you choose. For example, Accident & Sickness coverage for someone 25-34 starts around $54/month for Plan 1. Critical Illness varies based on coverage amount. I'll provide personalized quotes during our consultation.
Yes, policies are guaranteed renewable (meaning they can't cancel you), but you can cancel at any time. Some policies also offer return of premium options if you remain healthy.
For most Accident & Sickness coverage, no medical exam is required - just a simple health questionnaire. Critical Illness coverage may have more detailed health questions but typically doesn't require an exam for standard coverage amounts.
Most people are one accident away from financial hardship. Don't wait until it's too late.
Or call me directly: (647) 770-1030