Individual Disability insurance protects you from the possible loss of income. Generally, the longer you wait to apply, the more expensive coverage becomes and the likelyhood of qualifying also decreases.
Disability insurance helps protect your income if you become disabled and cannot work. We have a wide ranging portfolio, with products and solutions available for full-time, part-time or home-based workers. We will work hard to find you is the perfect solution whether you are a professional, business owner, business executive or any other employed Canadian.
An individual disability insurance plan can help you meet your income requirements after suffering a long term disability or help you concentrate on recovering and returning to an active life.
Whether you need to secure your main source of income or supplement the coverage you receive from your employer or an association, we can help by providing a comprehensive and portable plan you can rely on throughout your working years.
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Locked-in Registered Retirement Savings Plan (Locked-in RRSP): Funds transferred to a RRSP from a RPP that continue to be governed by certain provisions of the relevant pension legislation. At maturity, the locked-in RRSP must be converted to a life annuity or, where permitted by the province, to a LIF or LRIF. The individual does not have access to the funds other than as income, and thus, the reference to "locked-in".