Image spacer

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 380 reviews from ★★★★★ Thank you Ummi, Alliance Income for her wonderful service, she was helping me with travelling insurance with professional manners, giving me options and advices that I felt very comfortable and confidence. The process was smooth and efficient, right after the phone call process, the policy was immediately delivered to my e-mail. I would recommend Alliance Income and agent Ummi. Thanks.Katiana LoKatiana Lo ★★★★★ Spoke with Artmiz. Very knowledgeable and very professional. Answered all my questions.Would highly recommend her to family and friends...actually, I already did and my friend was very pleased with the service she receivedPam SinghPam Singh ★★★★★ My dealings with both Adam and Theresa were handled in a professional prompt manner giving me confidence in Alliance. I hope never to have the need to use my coverage, but I would hope that the experience would be as good.Eklove ShatnerEklove Shatner ★★★★★ Ummi was most helpful and informativewhen I purchased Trip Cancellation andInterruption coverage on September 19!Stephen J. RushfordStephen J. Rushford ★★★★★ Amazing service! Nice to talk with a real person and not just online. Great at changing my insurance with no issues.Joanne HuntJoanne Hunt ★★★★★ Artmiz was capable, responsive and punctual. A good experience!Geoff StilesGeoff Stiles ★★★★★ Once again Ummi has provided an economical rate and stress free service for my snowbird health insurance. Strongly recommend for price and revive many thanksElizabeth BastableElizabeth Bastable ★★★★★ Theresa helped me get medical insurance for my upcoming trips. She explained everything in detail making it an easy for me to make the decision!christine Foxchristine Fox ★★★★★ Theresa Hauser provided excellent service - clear information and great support regarding travel insurance- both cancellation and interruption.Don WagnerDon Wagner ★★★★★ Theresa was very helpful & answered all my questions. Very efficient & I received all the documents & information within minutes. Thank you TheresaIrene HartlIrene Hartl ★★★★★ Quick and efficient process and very good, pleasant exchange with agent Theresa HeuserRandy KlattRandy Klatt ★★★★★ Theresa is very helpful and efficient. I get all my insurance needs done seamlessly by this company.Maria Cecilia Danganan-LandichoMaria Cecilia Danganan-Landicho ★★★★★ Artmiz Namazi was a very nice person to deal with. She went far and beyond to help me to have the best deal. She understood my problem and made sure I knew it was solved. I will greatly recommend her to anyone searching for emergency travel insurance.Catherine PoplawskiCatherine Poplawski ★★★★★ Theresa Heuser helped me with buying travel insurance today. She was amazing!! The process was fast and painless. I always find buying our travel insurance to be one of the most stressful things in getting ready to travel. Thank you Theresa for making it so easy for me.Pat and Art ThorrougoodPat and Art Thorrougood ★★★★★ Theresa was prompt at replying, answering all my questions and very friendly and pleasant to deal with. She is an asset to your company.Yvonne FjaagesundYvonne Fjaagesund ★★★★★ Great experience. Theresa Heuser And Sabrina Izdiher helped me with everything. Very helpful and awesome customer serviceGurasisGurasis ★★★★★ Great professional quick service!Colleen Van HornColleen Van Horn ★★★★★ It was good, customer service and the client dealing is best and also they get you good deals.Ahtsham SaifAhtsham Saif ★★★★★ Theresa was very clear and helpful with our travel insurance questions.Gabriella KleinGabriella Klein ★★★★★ Theresa was very helpful and professional in all our dealings! Would recommend her highly.Joyce SchaafJoyce Schaaf ★★★★☆ Theresa was very efficient, friendly and patient.Sandra PerrinSandra Perrin ★★★★★ Artmiz Namazi was an excellent person to deal with. She was very knowledgable and gave me excellent advice. Her quick response to my inquiries on line and over the phone were great. She was extremely helpful and friendly and gave 5 star service.The price for the insurance I needed was also excellent. Thanks ArtmizFran SmythFran Smyth ★★★★★ Excellent product at a cheaper price than other providers.Dale CrawfordDale Crawford ★★★★★ Brilliant and professional support given by Artmiz. Very happy with our Travel Insurance Policy. Thank youSabir ParvaizSabir Parvaiz ★★★★★ I am So glad and happy to have the agent name Ummi to assisted me purchase our travel insurance, very pleasant and helpful. Introduced her to my friends, they were happy with the service too. Thanks Ummi. For sure will looking for you at next travel time.Van TranVan Tran ★★★★★ Great people & service.Dave GobellDave Gobell ★★★★★ Great job, knowledgeable, very patient and tried her best to help me. Thanks Ummi for excellent customer serviceRazijaRazija ★★★★★ 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 mjs_loader
Familiy and Life Insurance CTA image banner

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.

Let’s Get Started

Disability Form (#14)
Google Review logo
4.8 Stars
js_loader