We offer disability insurance tailored to the needs of your clients.
- Possibility of a guaranteed fixed premium until 65 years of age.
- Contract is fully guaranteed, meaning that the definitions will never change.
- Profession protection up to 65 years of age.
- Guarantee of future insurability without proof of health.
- Partial disability payable as of the start of a disability or following a total disability.
- Cost of living increase to the disability payment, of 2% to 10% annually.
- Retirement protection.
- Protection in the event of an accident.
- Premium refund options, from 75% every 10 years or possibility of a 100% refund at age 65.
Numbers that Speak Volumes
This is how much your client could lose should you suffer a disability before age 65, assuming a 5% annual increase in his income.
| Age | Annual income of $36,000 | Annual income of $48,000 |
|---|---|---|
| 30 | $3,251,531 | $4,335,375 |
| 35 | $2,391,799 | $3,189,065 |
| 40 | $1,718,176 | $2,290,901 |
| 45 | $1,190,374 | $1,587,166 |
| 50 | $776,828 | $1,035,771 |
| 55 | $452,804 | $603,739 |
Out of 1,000 people, how many suffer a disability before 65 years of age?
| Age and number | Age and number |
|---|---|
| Age 25: 578 (3 out of 5) | Age 40: 453 (4 out of 9) |
| Age 30: 541 (5 out of 9) | Age 45: 396 (2 out of 5) |
| Age 35: 501 (1 out of 2) | Age 50: 329 (1 out of 3) |
Average length of a disability, over a period of 3 months or more:
| Age and duration | Age and duration |
|---|---|
| Age 25: 2.1 years | Age 40: 3.1 years |
| Age 30: 2.5 years | Age 45: 3.2 years |
| Age 35: 2.8 years | Age 50: 3.1 years |
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