What if you suddenly lost your income due to sickness or injury?

The purpose of disability insurance is to provide the income so that you can maintain your life style until you are cleared to return to work. It transfers the financial risk associated with a serious disability from you to an insurance company.

Disability Insurance Basics

Greg recommends that you seek the expert advice of a licensed disability insurance agent before considering a policy as policy terms and options can vary greatly from policy to policy. Greg has access to disability insurance products from top rated insurance companies in Canada.

If you are an independent contractor or self-employed tradesman or professional and do not have disability insurance coverage, what is protecting your income?

A serious injury or illness that keeps you from working for an extended period of time can be financially devastating when you consider that:

  • Your current income will cease
  • Your future income will cease
  • Yet your business and/or personal expenses may continue

Disability insurance policies help protect you and your family by protecting your income in the event of a disabling injury or illness.
There are two types of disability policies available.

Short Term Disability Plans – This disability policy provides protection for a brief period, generally up to 120 days when Employment Insurance might not be available. This is only available as part of a group insurance or employee benefits plan, and not as an individual product.

Long Term Disability Plans – Available either as a standalone solution or part of a group plan, Long Term Disability (LTD) comes in a few flavours. The focus here will be for standalone plans. LTD plans offer the several design criteria. To learn more about “Long term disability plans”, please select the tab above to get more detailed information.

— With our InsureRight Calculator, you can complete an analysis of your life, disability and critical illness insurance needs.


When he says he will do it. It is as sure done!

Greg is a man of character, conviction and collaboration. He has a unique quality and gift to have meaningful conversations to open the doors to possibility for people with their financial dreams and obstacles.

Carolyn C

Secure your main source of income and have Greg help you by providing a comprehensive plan you can rely on throughout your working years.

Book An Appointment With Greg

I make house calls. Contact me to set a convenient time for us to talk.