Living Benefits

Living Benefits

Health & Dental plans

Most employers include this coverage as part of your compensation and you are insured under  a corporate group plan. When you leave a company, it is important to obtain new coverage within 60 days of losing coverage, otherwise any pre-existing medical conditions you currently have, or had in the past, will be excluded. We can help individuals and business owners review options. 

Disability & Income protection

Disability Insurance supplements your loss income if you were to become disabled. It provides you a  monthly income while you are disabled. If you are self-employed or a business owner,  you will want to obtain Disability coverage to protect your lifestyle and your family.  Some employers will provide short-term disability coverage but it may not be adequate when you need it. This is because not all disability plans are created equal so it is important to understand your coverage. Have us help you review your coverage and to help you decide whether it meets your needs. 

Critical Illness protection

Critical illness Insurance protects you in the event you suffer a major life threatening or life changing illness. It provides you with a lumpsum tax-free payment if you were diagnosed with an illness covered under the plan. The top illnesses claimed under this plan is Cancer, Stroke, Heart Attack, and Heart Bypass surgery. With Cancer, survival rate can be high but recovery can be long and life altering. Critical illness coverage would  provide the much needed cash to pay living expenses and to pay additional medical expenses so you can focus on your health. Without coverage most will have no choice but to dip into retirement savings; unraveling decades of savings and jeopardizing their retirement plans. Critical Illness protection is a great way to  protect your lifestyle, your family and your retirement plans. Contact us for more information. 

Let us help customize a plan for you. Reach out for your free consultation.