• We have been Safeguarding the Lifestyles of Canadians for over 25 years!
  • Our plans are simple to understand and easy to buy.
  • We back our products with our Quality Guarantee.
  • We can provide higher disability benefits for the self-employed because they can be based on your gross business revenue.
  • We are the largest independently owned provider of living benefits in Canada.
  • Thousands of independent advisors select the EDGE plans to meet the needs for their clients.
  • We partner with leading Insurers in Canada.
You decide! The actual monthly premium of your plan is based on a number of variables. All of which are determined by YOU!
How much income you'll need to support your lifestyle in the event of a disability, doesn't really change too much from what you need today. So first, YOU need to see how much you spend today
As a guideline, we recommend you set aside 4-5% of your income each month to pay the premiums required for the coverage you need to properly provide you and your family with comprehensive protection. After all, your entire lifestyle depends on it!
If you don't have money saved for a rainy day you'll want your income benefits to begin fairly quickly. You can choose to have them start from the first day of your disability, or perhaps you can afford to wait 30 days, or even more.
Keep in mind that if you save 10% of your income, a 6 month total disability could wipe out 5 years of savings.

You choose, but you will want to consider your current age and how long you have before you're ready to retire. If you are almost ready to retire and you become disabled you won't need benefits for as long as someone who is many years away from retirement. How long your benefits are payable for should take you into retirement if a disability leaves you unable to return to the work force.

There are many features to a disability plan. They are not all the same. This is why you will want assistance from an advisor who understands the plan and can help you assess if the policy meets your individual needs.

You need to consider what you are currently paying for fixed business expenses. These bills will not stop coming in just because you have. As the key contributor to the success of your business you should ensure that your expenses will continue to be covered if you are unable to generate the revenue required to pay them while you are disabled. Business Overhead Expense coverage can help with this.

Some accidents are catastrophic and leave you needing to adjust your entire lifestyle. Consider if you needed your home altered to accommodate wheelchair living. Would you have the money to pay for this?

Provincial Health Care Plans

Provincial plans vary from province to province. There are many medical services not covered by government plans. It's a good idea to have a plan that fills the gap between those expenses that occur but may not be covered by your government plan. Expenses such as physio-therapy, eye examinations, chiropractors, and many more.

Click here for Provincial Health Care Plans

Canada Pension Plan (CPP)

Disability benefits may be available to you, but only if you have made enough contributions to the CPP. Your disability must prevent you from working at any job on a regular basis, and must be long lasting or likely to result in death.

Click here for Canada Pension Plan (CPP)

I'm covered by a Workers Compensation Plan so I don't need disability coverage, do I?

Worker compensation plans are designed to protect you if you are injured at work ONLY! A private disability plan means that your income is protected all the time, 24 hours a day, 7 days a week. It is not mandatory for all occupations in all provinces to be covered by a Workers Compensation plan. The EDGE could provide you with a viable cheaper alternative to this coverage. Knowing your options may save you money, speak with an advisor to find out more.

Click here for Workers' Compensation Plan

We believe life is complicated enough without adding cumbersome processes used to protect it. Getting insurance protection should be simple!

Our two page application provides you with a product overview that outlines what you have purchased at the time you have purchased it. It will give you a brief summary of the benefits, key definitions and some exclusions, so that you know what is covered, what isn't covered, and what may be covered with limitations.

If we hide nothing from you at sale time, we won't need to hide from you at claim time!