​​'Live for Today, Plan for Tomorrow' by protecting your most valuable asset... YOU... and your ability to earn an income! ​
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INCOME PROTECTION
​A serious, life-altering illness or disability affects 1 in 4 Canadians in their lifetime. If you become sick or injured and unable to work, Income Protection can help cover your bills, medical expenses and your mortgage in order to minimize the financial impact of your recovery and keep your life on track. So even if you can’t predict your future, you can protect it.

  1. Critical Illness Insurance 
    Critical Illness Insurance gives you coverage when it counts so you can focus on your recovery knowing that you will receive a tax-free payment to help with your expenses if you’re diagnosed with a serious illness. Your contract will define which conditions you’re covered for, but some examples include cancer, heart attack or stroke.  
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  2. Disability Insurance
    Disability insurance works when you can’t. It can give you tax-free monthly income to help pay expenses if an illness or accident stops you from working. Generally speaking, disability insurance can replace up to 85% of your take home pay if:
    •  you temporarily can't work  OR
    ​•  you are permanently disabled due to an injury or illness​​

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More than ever, personal stories are important to share, to help us make sense of the world as people look for places of hope, strength, and inspiration. Joe Ferreira relates a valuable story that gives perspective on what matters most... TIME!