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Through our years of experience, we've also learned that while each channel has its own set of advantages, they all work best when strategically paired with other channels.

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Living Benefits

Disability Insurance

Your income is your most valuable financial asset. Disability insurance replaces up to 85% of your earnings if illness or injury prevents you from working.

Get a Free Quote (604) 338-3042
1 in 3 Canadians disabled before 65
Up to 85% Income replacement available
To age 65 Maximum benefit period available
Tax-Free If you personally pay the premiums
How it works
Getting covered is simple
1

Book a free call

Sri reviews your unique needs, goals, and budget — completely free with no pressure or obligation.

2

Compare top plans

We shop 20+ Canadian insurers to find you the best coverage at the most competitive rate.

3

Get covered fast

Meet Sri on Zoom or in person to submit your application. Many plans are approved within 24–72 hours—often with no medical exam required.

About this coverage
Protect Your Income — Protect Your Life

1 in 3 Canadians will experience a disability lasting 90 days or more before reaching age 65. Yet most people are severely underinsured against income loss. Disability insurance replaces a portion of your income so you can continue paying your mortgage, bills, and everyday living expenses during your recovery.

Government programs like CPP Disability are extremely restrictive with strict eligibility criteria and low benefit amounts. A private disability insurance policy fills the gap with a broader definition of disability, significantly higher monthly benefits, and an own-occupation definition for professionals that pays if you cannot perform your specific job.

Key benefits
Types of Disability Coverage

Own occupation definition

Pays if you cannot perform your specific occupation — the gold standard for professionals and specialists.

Short-term disability

Replaces income during shorter recovery periods, typically from 2 weeks up to 2 years.

Long-term disability

Benefits paid all the way to age 65 for serious conditions that permanently prevent return to work.

Business overhead expense

Covers your fixed business costs separately while you are personally unable to work.

COLA rider available

Cost of living adjustment keeps your monthly benefit keeping pace with inflation year over year.

Return of premium option

Some plans return all premiums if you reach retirement age without ever making a claim.

Common questions
Frequently asked questions
CPP Disability requires that you be incapable of doing virtually any substantial work. Private own-occupation disability insurance pays if you cannot perform your specific job — a far broader and more meaningful definition for most working Canadians.
The elimination period is how long you must be disabled before monthly benefits begin. Common options are 30, 60, or 90 days. A longer elimination period reduces your premium cost significantly.
If you personally pay the premiums out of pocket, benefits are received completely tax-free. If your employer pays the premiums on your behalf, the benefits are considered taxable income.

Ready to protect what matters most?

Sri will find the right coverage at the best rate — no cost, no pressure, no jargon. Just honest guidance.

Book a Free Consultation (604) 338-3042

Licensed in BC, Alberta, Ontario & Nova Scotia • Powered by Experior Financial Group