Disability insurance for Alberta & B.C. - Protect your most valuable asset
What do you consider your most valuable asset?
Most people answer in terms of possessions, like their home or investments. But think about it... isn't your income - your earning potential - your greatest asset?
Disability insurance from an insurance brokerage can protect everything that is valuable to you - your family, your peace of mind, and your personal possessions from loss of income due to illness or injury.
Why do you need individual or group disability income insurance?
Have you considered disability insurance, but decided against it because of the cost? Put long term disability insurance coverage into perspective by comparing your income protection to other assets you insure. Using the example of a 35 year old homeowner in Calgary, Alberta making $5,000 per month...
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Home value $300,000
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Home insurance $1000/year
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Car value $18,000
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Car insurance $1000/year
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Income to age 65 $2,800,000+
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Disability insurance $1000/year
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Suddenly, disability insurance is more than affordable! Be sure to learn more about long term disability insurance coverage and short term disability insurance .
Disability insurance companies provide peace of mind coverage
Contact HDF Insurance brokerage today. We can help you customize a disability income insurance plan that fits your lifestyle and your budget. For instance, partial disability benefits can be based on a loss of income or a loss of time and duties - it's your choice. For disability insurance that works for you - in Alberta and British Columbia, call on HDF Insurance!
Common disability insurance questions
Q: Will my policy cover me if I am disabled for any reason?
A: No, there are certain criteria to meet in order to be deemed disabled. Not every situation is covered.
Q: Why was the cost for my disability coverage under my employee benefits plan so much cheaper than getting my own policy?
A: Any coverage under an employee benefits plan contains many restrictions and limitations that you are probably not aware of. These policy limitations are kept in a contract held by your employer.
Q: I have worker's compensation. Why would I need my own disability insurance policy?
A: Worker's compensation does not guarantee to pay you a regular monthly benefit. Plus, illness and accidents away from work are not covered under worker's compensation.
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