Which coverage is right for me?

Health and disability insurance protect you against the financial consequences of an illness or accident.

See what type of product is best suited to your needs.

Disability insurance (income)	Critical illness insurance	Long-term care insurance	Healthcare insurance
Meet your financial obligations if you can't work because of an accident or illness	Focus on your recovery and avoid the financial stress related to a serious illness like cancer or a stroke	Avoid becoming a burden on your family if you lose your independence because of an illness like cancer, stroke or Alzheimer's disease	Get reimbursed for healthcare expenses not covered under government plans (dental care, vision care, alternative medicine, etc.)
It's the right choice for you if: You don't have group insurance coverage You're in business with partners or you're self-employed	It's the right choice for you if: You want to protect yourself and your loved ones against the financial consequences of a critical illness	It's the right choice for you if: You want access to the best healthcare available You want to be able to afford to hire someone to help you	It's the right choice for you if: You don't have group insurance coverage You're self-employed
Learn more - Learn what our disability insurance products can do for you!	Learn more - Learn what our critical illness insurance products can do for you!	Learn more - Learn what our long-term care insurance products can do for you!	Learn more - Learn what our healthcare insurance products can do for you!

Disability insurance (income)

Disability insurance helps you meet your financial obligations by replacing your income if you have to stop working as a result of an accident or illness.

This type of insurance meets your needs if:

• You don't have group insurance coverage
• You're in business with partners or you're self-employed

Features

• Pays a monthly benefit in the event of disability
• Benefit amount is based on a percentage of your regular earnings (salary, commissions, etc.)
• Allows you to use the benefit as you see fit

Products available

Did you know?

During your working life, you have a 50% chance of becoming disabled for more than 5 months1.

Critical illness insurance

Critical illness insurance helps you deal with the expenses arising from a critical illness (cancer or stroke) so you can focus on getting better.

This type of insurance meets your needs if you want to protect yourself and your loved ones against the financial consequences of a critical illness.

Features

• Pays you a set benefit amount during your lifetime following the diagnosis of a covered critical illness or surgical procedure
• Tax-free benefit that can be used as you see fit and allows you to:
  • Pay for medication and healthcare not covered by the provincial plans
  • Access cutting-edge technology or experimental drugs
  • Obtain homecare or housekeeping services (cleaning, meal prep, personal care, babysitting, etc.)
  • Make up for lost income if your spouse takes time off work to be with you
  • Cover transportation and accommodation expenses if you have to travel to receive care or treatment
  • Pay for care from certain healthcare professionals (occupational therapist, osteopath, chiropractor, speech pathologist, etc.)
  • Retrofit your home or car
• Option to get all or some of your premiums back at the end of the policy period, or if you die while the policy is in force or you terminate the coverage

Long-term care insurance

With long-term care insurance, you don't have to worry about becoming a burden on your family if you lose your independence because of an accident or an illness like Alzheimer's disease.

This type of insurance meets your needs if:

• You want access to the best healthcare available without having to dip into your savings
• You want to be able to afford to hire someone to help you
• You want to stay at home for as long as possible in the event of a loss of independence

Features

• Pays a tax-free monthly benefit if you lose your physical or mental independence as a result of an accident or illness
• Benefit that can be used as you see fit; no need to submit receipts

Product available:

Did you know?

Thanks to medical advances, people are living longer than ever. According to Statistics Canada, life expectancy is age 83 for women and age 78 for men1. Keep in mind that the older you get, the greater your chances are of losing your independence:

If one day you need help with simple, everyday activities, who will look after you? In 90% of cases, the people who end up providing care are spouses, children, or other family members3.

Healthcare insurance

Healthcare insurance pays for healthcare expenses not covered by government health plans (prescription drugs, dental care, etc.).

This type of insurance is right for you if:

• You don't have group insurance coverage
• You're self-employed

Features

• Helps pay for healthcare expenses that are piling up on top of your everyday expenses to ensure your family's financial security:
  • Hospitalization in a semi-private room
  • Prescription drugs (in Quebec, this complements the public prescription drug insurance plan)
  • Nursing and ambulance services
  • Therapeutic devices like orthotics and prosthetics
  • Services from healthcare professionals like physiotherapists, chiropractors, homeopaths and psychologists
  • Dental care, etc.