Man in a dark suit focused on a holographic display or interface, pointing at the screen that showcases several icons related to insurance and health. On the left, an icon of a family under an umbrella symbolizes family protection or insurance. The central figure is a wheelchair icon representing accessibility or disability support, while the right features a checklist or form, possibly relating to medical or health insurance. The overall composition highlights themes of health, safety, and insurance, suggesting an active decision-making process regarding the protection of individuals and families through various insurance options.

Health and disability protection

  • Alleviate financial stress with plans that cover essential medical expenses, ensuring you get the care you need without compromise.
  • Protect your livelihood with disability plans that provide consistent income support during periods of unexpected health challenges.
  • Secure peace of mind with coverage options that guarantee support for long-term care needs, promoting stability and comfort in your daily life.
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Coverage options and types

Living benefits - Financial access during health crises

Living benefits allow you to access a portion of your life insurance benefit if you’re diagnosed with a serious health condition. This helps you focus on recovery without the worry of immediate financial burdens.

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    Types of living benefits

    Discover the various types of living benefits designed to provide financial support during critical illnesses, disabilities or long-term care needs, ensuring stability and peace of mind when it matters most.

    • Critical illness benefit - Receive a lump sum upon diagnosis of specific severe illnesses, such as cancer or heart attack.
    • Chronic illness benefit - Provides financial support for chronic conditions that limit daily living activities.
    • Terminal illness benefit - Access part of the policy’s death benefit if diagnosed with a terminal illness, typically with a limited life expectancy.
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    Who it’s best suited for

    • Ideal for those seeking financial support during major health challenges to ease the burden of treatment costs.
    • Suited for individuals looking to safeguard their personal finances while focusing on recovery.
    • Perfect for ensuring access to quality caregiving services when needed most.

Long Term Care Insurance - Secure quality care

Long term care insurance covers extended care needs, from home health services to assisted living and nursing homes. It’s essential for protecting savings and ensuring you can afford the care you need as you age.

Hand holding a black marker poised to write on a surface, with the letters 'L,' 'T,' and 'C' prominently displayed in red, and 'Long Term Care' written in black below. The arrangement emphasizes a focus on long-term care, a critical aspect of health and financial planning. The red lettering highlights the importance of each component, while the neutral background ensures the text remains the focal point. Overall, the composition underscores the significance of long-term care planning, suggesting a thoughtful and proactive approach to health and financial security.
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    Types of Long Term Care Insurance

    Learn about the various types of disability insurance, designed to replace lost income and provide financial stability during short-term or long-term periods of disability caused by illness or injury.

    • Traditional Long Term Care Insurance - Standalone coverage specifically for long-term care services.
    • Hybrid Long Term Care Insurance - Combines long-term care with life insurance, offering a death benefit if care is not needed.
    • Indemnity Long Term Care Insurance - Pays a set daily benefit regardless of actual expenses.
    • Reimbursement Long Term Care Insurance - Reimburses costs up to a policy limit based on actual care expenses.
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    Who it’s best suited for

    • Ideal for individuals approaching or already in retirement who want to preserve their financial assets.
    • Best for those looking to shield their savings from unexpected healthcare or long-term care expenses.
    • Perfect for individuals who want reliable access to top-tier care, whether in-home or at a specialized facility.

Disability insurance - Income protection in uncertain times

Disability insurance replaces a portion of your income if an illness or injury prevents you from working. Policies can be customized based on your occupation and income needs.

Wooden figure sitting in a wheelchair, designed with a simple, minimalist style featuring a round head and petite body, positioned next to a stack of gold coins. The figure appears relaxed and faces two distinct stacks of coins: one taller with several stacked coins and another smaller pile beside it. Set against a light background, this composition symbolizes themes of mobility, financial planning, and the importance of saving, particularly in the context of accessibility and support. The presence of the coins highlights a focus on financial security, especially concerning healthcare or long-term care needs.
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    Short Term Disability Insurance

    Covers income for a limited time typically up to six months.

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    Long Term Disability Insurance

    Provides longer coverage. potentially up to retirement age.

    Own Occupation Disability Insurance

    Own Occupation Disability Insurance offers financial protection if you're unable to perform your specific job due to illness or injury, even if you can work in another role.

    • True own occupation - Pays benefits if you’re unable to work in your specific job, even if employed in another role.
    • Modified own occupation - Pays if you’re unable to work in your occupation and are not employed in any other job.
    • Any occupation disability insurance - Provides benefits only if you’re unable to work in any capacity based on your skills and experience.
    • Residual disability insurance - Covers partial income loss if you’re working part-time due to disability.
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    Who it’s best suited for

    • Beneficial for individuals in high income roles who want to protect their earnings in case of illness or injury.
    • Great for self employed individuals seeking disability protection outside of employer coverage.
    • Designed for individuals seeking financial stability throughout recovery or a long term disability.
Clear glass jar filled with coins symbolizing savings and investment, with a small green plant emerging from the center, representing growth and renewal. The contrast between the metallic coins and vibrant green leaves conveys a powerful message about the potential for financial investment to yield positive, life-enhancing returns. This composition combines themes of prosperity, sustainability, and nurturing financial resources for future growth.

Get started with health and disability protection

Life can be unpredictable, but your health and financial well-being don’t have to be. Explore our options for health and disability protection and let us help you find the right plan tailored to your life stage, profession and future goals.

Frequently Asked Questions

Safeguard your well-being

Get answers to protect your health and financial security in times of need

“Own occupation” coverage provides benefits if you can’t perform your specific job duties, while “any occupation” coverage requires you to be unable to work in any occupation.

Yes, disability insurance can offer both short-term and long-term options depending on your policy and coverage needs.

Living benefits allow you to access part of your life insurance benefit if diagnosed with a serious illness, helping cover expenses during treatment.

The amount of disability coverage you need typically depends on your income, lifestyle, and existing savings. Most policies offer coverage between 50-70% of your pre-disability income.

Yes, you can purchase supplemental disability insurance to bridge any gaps in coverage and provide additional financial security beyond what your employer offers.

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