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DISABILITY INSURANCE

Protect Your Income with Disability Insurance

Your Most Valuable Asset Isn’t Your Home or Investments—It’s Your Ability to Earn an Income

If you were unable to work due to an illness or injury, how long could you maintain your current lifestyle? Most people insure their home, car, and valuables, but far fewer think about protecting their income—the very thing that makes all of those assets possible. Disability Insurance ensures you have a steady stream of income when you need it most.

Why Disability Insurance Matters

As a professional, business owner, or incorporated individual, your income is what fuels your financial success. But life is unpredictable. Whether it’s a sudden accident or a long-term illness, the reality is that one in three Canadians will experience a disability lasting longer than 90 days before age 65. The financial impact of being unable to work can be devastating without proper coverage.

Disability Insurance provides tax-free income replacement to help cover your mortgage, bills, daily expenses, and financial obligations, so you can focus on your recovery rather than worrying about money.

Protect Your Most Valuable Asset – Your Income

Based on your current age and income, here is how much you will earn by Age 65:

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Age 64

Total Earnings

What Are the Odds of a Disability?

1 in 3 professionals will experience a disability lasting 90 days or longer before retirement.
Mental health & stress-related claims is the most common form of disability.
Less than 10% of disability are caused by accidents.
Could you maintain your lifestyle if your paycheck stopped for 6 months—or even years?

What Makes a Strong Disability Insurance Policy?

Not all disability insurance policies are created equal. When structuring coverage, I focus on high-quality contracts with strong definitions and long-term stability. Some key features to look for:

Own-Occupation Coverage – Ensures that if you can’t work in your own profession, you still receive benefits—even if you can work in another field.
Guaranteed and Non-Cancellable – Locks in your coverage so your policy cannot be changed or canceled as long as you pay your premiums.
Comprehensive Coverage – Includes benefits for both total and partial disabilities, so you’re covered even if you can still work in a reduced capacity.
Customizable Options – Riders like cost-of-living adjustments, future purchase options, and residual benefits can tailor coverage to your needs.
Locked-In Premiums & Benefits – Your monthly benefit amount and premiums are locked in for the duration of the policy, providing stability and predictability.
Fully Portable Coverage – Your coverage remains in place even if you change jobs or move to another country.
Claims Won’t Affect Your Policy – A claim won’t impact your coverage or rates, ensuring continued protection.

Group LTD vs. Individual Disability Insurance: Why It Matters

Many professionals assume their Group Long-Term Disability (LTD) plan is enough, but group coverage often has gaps that could leave you underinsured. Here’s why having your own policy matters:

Actual Coverage Amount: Group LTD often covers less of your income than you think, and there may be monthly maximums that leave high earners short.
Portability: Group coverage ends when you leave your job, but an individual policy stays with you wherever you go.
Tax-Free Benefits: If your employer pays the premium, Group LTD benefits are taxable, reducing your actual payout. An individual policy can provide tax-free income.
Definition of Earnings: Group LTD typically covers only your salary, while an individual policy can include salary, bonuses, and corporate profits.
Stronger Contract Terms: Group plans often have benefit limitations, restrictive definitions, and integration clauses. A well-structured individual policy offers stronger, more reliable protection.
Return-to-Work Requirements: Group LTD plans may require mandatory return-to-work programs and typically cut off benefits after 24 months if you can work in another occupation.

Why Work with Me?

I’ve spent years specializing in Disability Insurance for professionals, business owners, and incorporated individuals. Having worked as a Living Benefits wholesaler with RBC Insurance for nearly a decade, I understand the fine print and what truly matters when structuring a policy. My approach is always educational, not sales-driven—helping you understand your options so you can make the best decision for your needs.

Unlike many advisors who focus only on life insurance, I believe in protecting what matters most—your ability to earn a living and maintain financial independence.

I signed up for insurance coverage with SecurePlan after reading great reviews and also hearing from another client who had directly worked with Jeff.

It didn’t take long for me to see that the reviews were indeed genuine. I was quite impressed with Jeff’s personable approach and attention to detail in setting up various insurance plans tailored specifically to my personal needs. Jeff helped me see how every person’s situation is unique, and how important it is to find the optimal coverage solutions.

Although I understood the importance of having insurance, I never expected how early the day would come when I could no longer work and had to file a claim. Not only was it difficult for me to accept the reality of my situation, but it was also very challenging and unexpected to go through such a lengthy claims process, which involved countless hours of paperwork and communication. There were numerous times when I wasn’t sure how to proceed. But Jeff’s patient guidance and understanding were very helpful through it all.

It’s been several years since all of this began. In the end, the claim was processed successfully, and I am grateful for having Jeff as my broker.

Daniel L.

Let’s Build a Plan That Works for You

Don’t wait until it’s too late to protect your income. Whether you’re a physician, lawyer, accountant, business owner, or incorporated professional, I can help you navigate your options and find the best disability insurance policy tailored to your needs.

Disability insurance isn’t one-size-fits-all. Your career, income, and financial goals are unique—your coverage should be too.

Schedule a Consultation Today

Your financial future starts with securing your income. Let’s make sure you’re protected. Reach out today.

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