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Disability Insurance

Did you know that, statistically speaking, one out of every three Canadians will experience a disability lasting 90 days or longer before reaching the age of 65? Moreover, such disabilities typically endure for an average of 2.9 years. In certain cases, the situation can be even more challenging, with some individuals encountering disability events more than five times throughout their lifetime. Given the unpredictable nature of accidents and illnesses, it is imperative to secure a comprehensive disability insurance policy to mitigate future uncertainties and safeguard both yourself and your family financially.

It is crucial not to allow present comfort to overshadow the need for foresight. At Life Insurance Pro, we specialize in providing tailored Disability Insurance solutions to meet your specific needs, offering you and your family enhanced peace of mind. With our assistance, any temporary inability to provide for your family becomes a manageable concern. Click the "Get Quote" button now to receive a complimentary Disability Insurance quote, and we will promptly respond to your inquiry. Thank you for considering us for your insurance needs.

Our Reviews

Excellent4.8 Based on 352 reviews from ★★★★★ Artmiz was very pleasant and efficient to deal with. She was prompt in her replies, and in answering any other questions we had. Her travel insurance pricing was the best that we found,Jean BamfordJean Bamford ★★★★★ Artmiz was totally great!! She is so pleasant, efficient and she gave us the best price and advice!! It was a pleasure to work with her.Ian BamfordIan Bamford ★★★★★ Very good. LovelyDonna KeenanDonna Keenan ★★★★★ Our agent Artmiz was very knowledgeable and answered all of our hypothetical travel scenarios with ease. The premium savings were significant because Allianz offers "top-up" products to those of us who have existing coverage, but need more.catherine onishicatherine onishi ★★★★★ Ummi is always helpful and professional. She has been helping our family for all travel insurance over the past years.MargieMargie ★★★★★ Ummi is courteous and professional. Good job!Rod SetoRod Seto ★★★★★ Artmiz was very pleasant and helpful in providing the coverage needed for my trip.John CliffordJohn Clifford ★★★★★ Nice Dealing And Nice Explanation…Harman BasraHarman Basra ★★★★☆ I want to let everyone know that when you buy your insurance from Alliance, buy it from Dornaz. I have had 2 separate policies through her and can't say enough about her thoroughness, knowledge of the product and her customer service. It was pleasure dealing with her.Nola DyckNola Dyck ★★★★★ Great customer serviceJennifer PhillipsJennifer Phillips ★★★★★ I had a very good experience with Dornaz. She was very helpful and got my policy together quickly. I will certainly recommend her to my friends.Steve StaplesSteve Staples ★★★★☆ Thank you Theresa and Adam for your help with our travel insurance plans, for your timely assistance and the savings you were able to find for us.Yogashiatsuyucatan DonypaolaYogashiatsuyucatan Donypaola ★★★★★ Artmiz Namazi provided excellent service. She was very professional and took the time to explain the insurance coverage and answer all my questions. She is a great asset to your company and I will not hesitate to recommend her to my friends and familyChris DingsdaleChris Dingsdale ★★★★★ Artmiz was very helpful, friendly and informative. She really knows her subject and was ready to help in any way.Carolyn CassellsCarolyn Cassells ★★★★★ Theresa Heuser is professional and competent in the insurance process. A pleasure!Ronald BironRonald Biron ★★★★★ What a pleasure dealing with Ummi, who took all the pain out of purchasing Travel Insurance for my wife and I, who are both 80 year old Seniors. Sensitive and yet enquiring, Ummi guided us through the minefield of questions with the competant ease of an expert. Ummi was responsive to any unintended omissions and made sure there were no loose ends that could disqualify any future claim. We go on Holiday knowing that we have been professionally prepared with cover for Medical emergencies, if they should arise.John DawkinsJohn Dawkins ★★★★★ great service by the phone and email.h mh m ★★★★★ We bought Emergency Medical policy for our coming trip from Ummi Hanny. She was such a good help and responsive to all our questions, either by phone or emails. Such an excellent service, above and beyond our expectations!! Thank you!Jacob SteinbergJacob Steinberg ★★★★★ We booked travel insurance with Ummi Hanny for a river cruise we are taking this summer. She was very professional, responded quickly and efficiently to emails, calls and questions. Would definitely recommend her and Alliance/Allianz.Kathy CastleKathy Castle ★★★★★ It was a pleasure to deal with Artmiz. Very polite and Patient. Nice to deal with someone who knows and enjoys their job.Tom BrailsfordTom Brailsford ★★★★★ I just finished getting a tailored insurance package with the help of Ummi. I really appreciated the attention to detail and how knowlegable she was on the various packages. Ummi was able to get us an annual package for me and my wife that focused on our need for Trip Cancellation/Inturruption and also a single trip comprehensive package for our 3 grandchildren that will be traveling with us on our next trip. It was a pleasent experience. Ummi detailed the options and made recommendation that ensured we had the coverage we needed at the best possible price. This was all done over the phone and email and we received the comple package immediately after the purchase in our email. Thanks UmmiJeff LangJeff Lang ★★★★★ We were helped by Ummi Hanny she is very professional and helpful.Thanks for your understanding,Heinz KriegerHeinz Krieger ★★★★★ Ummi was our Insurance agent helping with getting medical and cancelation policy -she was very professional and knowledgeable and was able to get us a very reasonable insurance rates.Milos RudolfMilos Rudolf ★★★★★ Eric provided policy information, confirmed my personal details to ensure the policy would be correct, processed my payment quickly.Tracy HastingsTracy Hastings ★★★★★ I dealt with Ummi Hanny, oh my she was wonderful! She even laughed at my jokes. What a great first experience.Lise BeaulneLise Beaulne ★★★★★ Ummi. was very helpful and pleasant. Billwilliam rockwilliam rock ★★★★★ Our purchase of Allianz Emergency Medical Insurance through Alliance Income Services Corp was a breeze. Ummi and Mariam was a pleasure to work with. They were both very patient, knowledgeable, and efficient in presenting the various options available to us. Mariam did a lot of leg work comparing several insurance companies just to find a plan that suit our needs. Ummi then completed the processing of the policy effortlessly and made the process seamless. I would highly recommend anyone who needs an insurance coverage to speak to especially this two ladies.Danny ChinDanny Chin ★★★★★ My agent Artmiz was very helpful and provided me with a quote quickly. When I was ready to accept the quote she responded quickly and sent me all the necessary documents just as efficiently. Happy with my interactions.Stephanie RumbleStephanie Rumble ★★★★★ Eric and Bob were both extremely helpful and attentive to my needs.Paul CodyPaul Cody ★★★★★ Teresa was great. Addressed all my concerns.Robert CarterRobert Carter ★★★★★ The service given by Ummi Hanny was excellent- very pleasant, courteous and professional.Simin MeshginnafasSimin Meshginnafas ★★★★★ I had a top notch experience with this insurance broker. Eric Clementi was the person that helped me from the day that I asked for a quote online. He was very thorough with explaining every minor details that might be misunderstood between the client and the provider. Eric is very professional with his tone of voice which makes a potential client feel at ease. Nonetheless, I’ve tried different insurance broker, their monthly fees are way above the average, Alliance income Services Corp has the most decent fee for a family of five… it’s a bang for the buck kind of thing. Truly recommend this company. 👍Mark EngelMark Engel ★★★★★ Eric Clemente and Ryan were excellent to deal with. Both were very helpful , to the point , and curious .Michael BoudreauMichael Boudreau ★★★★★ Excellent service by Eric Clementi and Ryanmargaret burnsmargaret burns ★★★★★ Eric and Adam were very helpful with my travel medical insurance. Now I realize if I have to use this coverage that I will be in great hands.Bonnie SmithBonnie Smith ★★★★★ Hello...Eric was very easy to work with ....very polite....and set up my insurrance policy very quickly....thank you again Eric....Marsha Risser.Marsha RisserMarsha Risser ★★★★★ I ordered insurance for my husband and myself. It was a very easy process and was helped greatly by Eric and Dylan. Both were very diligent with helping me through it all. Very easy and quick.Marilee Van BuskirkMarilee Van Buskirk ★★★★★ It was a pleasure speaking with Eric Clementi. He was polite, understanding and considerate.Mohinder BangaMohinder Banga ★★★★★ I was quite happy to get excellent & friendly customer services from Artmiz - very helpful & knowledgeable!Bruce YeeBruce Yee ★★★★★ Great service from knowledgeable and very helpful people. Thank you Eric Clementi and Ezarie!Beverley HowickBeverley Howick ★★★★★ Eric Clementi is the manYunus PatelYunus Patel ★★★★★ I had to sign up for my own health and dental insurance. The staff at this company were quick to get back to me and provide suggestions on insurance plans. The sign up process was very easy to do over the phone. I communicated with Eric Clementi who was very professional and efficient.Muhammad KoyaMuhammad Koyajs_loader
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Get Disability Insurance Quotes in Minutes

At Life Insurance Pro, we understand the paramount importance of family. Our top-tier insurance policies empower you to consistently support your loved ones, ensuring financial stability even in your absence.

Take the first step by clicking below to receive a personalized quote.

What Does Disability Insurance Entail?

Disability Insurance provides a safety net by replacing 60%-85% of your income in the event of temporary or permanent disability. In Canada, nearly a quarter of individuals aged 45-65 live with at least one disability. Various temporary disabilities, such as a broken arm or leg, can hinder your ability to work for several months, depending on your occupation. For professions involving strenuous physical activities, the risk of injuries and accidents may be higher, underscoring the importance of Disability Insurance.

Types of Disability Insurance Available in Canada

In Canada, there are two main types of Disability Insurance to consider:

Short-Term Disability Insurance

Short-Term Disability Insurance typically provides coverage for up to 6 months, replacing around 70% of your salary in the event of disability. It’s important to note that some employers offer Short-Term Disability Insurance as part of their benefits package, often requiring employees to exhaust other employment benefits (like sick leave or vacation days) before the coverage begins. If your employer’s coverage is inadequate, you have the option to purchase additional Short-Term Disability Insurance independently.

Long-Term Disability Insurance

Long-Term Disability Insurance offers coverage for two or more years, typically replacing approximately 60% of your salary. However, these benefits only become accessible after Short-Term Disability Insurance or Employment Insurance coverage ends, and you’ve depleted other employment benefits like paid vacation days and sick leave.

Tips to Save Money on Disability Insurance

We’re committed to assisting you in managing your finances wisely. One of the most effective methods to economize on Disability Insurance is by comparing rates across various providers. While this process can be quite time-consuming, Life Insurance Pro simplifies it for you. With just a request for a quote through our website, we handle the legwork by assessing rates from all major Canadian insurers on your behalf. More ways to save money on Disability Insurance are as follows:

Age Consideration

Your age category significantly influences your premium rates. We highly recommend purchasing a policy at a younger age to secure lower premiums. Avoid potential rate increases by obtaining Disability Insurance before your next birthday.

Employer Coverage Assessment

Optimize your premiums by adjusting your plan to bridge any gaps in the coverage provided by your employer.

Smoking Status Impact

Smokers may face premiums up to 100% higher compared to non-smokers for equivalent coverage levels. To substantially lower your premium costs, contemplate quitting smoking. Not only will this save you money, but it will also contribute to your overall health and well-being.

Coverage Bundling Strategy

Disability Insurance is often paired with Life Insurance or other policies. Obtain your policies from the same provider to benefit from discounted rates.

Disability Insurance FAQs

This section aims to provide even more valuable information on the topic of Disability Insurance.

Disability insurance provides financial protection if you’re unable to work due to an injury or illness. It typically replaces a portion of your income to help cover essential expenses such as mortgage payments, utility bills, and medical costs.

If your income is essential to meeting your financial obligations, you likely need disability insurance. It’s especially crucial if you don’t have enough savings to cover living expenses if you’re unable to work for an extended period due to disability.

Short-term disability insurance provides coverage for a shorter duration, typically up to six months, and offers higher benefit amounts initially. Long-term disability insurance, on the other hand, provides coverage for a more extended period, often until retirement age if necessary, but typically with a lower monthly benefit.

Yes, you can usually still obtain disability insurance even if you have pre-existing health conditions. However, the premiums may be higher, and certain conditions may be excluded from coverage or subject to limitations.

The amount of coverage you need depends on various factors, including your monthly expenses, existing savings, and other sources of income. As a general guideline, aim for coverage that replaces at least 60-70% of your pre-disability income. Working with a financial advisor can help you determine the appropriate coverage amount for your specific situation.

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Disability Form (#14)
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