Disability Insurance Coverage
Cover your expenses if you get sick or injured and can’t work.
Did you know that 1 in 3 Canadians will be disabled for 90 days or longer at least once before age 65? Additionally, the very same disability which lasts longer than 90 days is likely to affect you for more than 2.9 years.
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Why Consider Disability Insurance?
How RFGroup Can Help
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Products available for ages 0-85
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Truth is, some Canadians being disabled more than 5 times during their lifetime. Accidents and illnesses can happen virtually at any time, so having a comprehensive disability insurance policy is a must in order to counter the future’s uncertainties and ensure yourself and your family from a financial point of view. Having disability insurance is a great choice for many reasons, including but not limited to:
- Worker’s Compensation only covers work-related accidents. Conversely, your disability insurance covers a wider spectrum of circumstances
- Unemployment insurance only covers 15 weeks. Your disability insurance spreads over much longer time
- Medical costs can add up significantly
- Government benefits are very limited. Your disability insurance bursts with benefits.
- Group coverage will only match a specific percentage of your income, so you might end up spending more on medication than you earn in a whole month.
Why You Should Consider Disability Insurance:
- An injury resulting in disability will impact your income, making it difficult to pay bills or maintain your standard of living.
- Worker’s compensation only pays out in work-related accidents.
- Unemployment insurance typically pays for 15 weeks, which is generally insufficient for serious injuries.
- Canada Pension Plan and Quebec Pension plan offer only limited benefits.
- Group coverage typically doesn’t offer enough coverage and may be limited by type of disability.
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Why Work with RFGroup?
Get advice that’s right for you
Making sound financial choices can be difficult, we eliminate the confusion with effective advice from an industry professional.
Personalized service
We will take the time to listen to your financial goals and learn about what’s most important to you and your family.
Confidence in your future
Confidence that your money is invested in products you understand and your assets are protected for your future.
Our Customers
“Shopping for life and disability insurance is not an easy task. RFGroup walked me through the whole process, helped me pick out the policies that would best suit me and spent hours going over each point of the proposals. They give the right information at the right time and honestly at very competitive rates. I would not hesitate to recommend them as an insurance advisor to anyone considering critical illness insurance.“
~ Shahram
“When I contacted RFGroup, I was immediately put to ease by their breadth of knowledge and willingness to help me navigate the complex world of insurance. They were able to give me and my family the peace of mind that I couldn’t get anywhere else. For that I will always be grateful and there is no one else that I would recommend.”
~ David
“When I needed some information about my various insurance options, RFGroup took the time to explain each and every option that was available. They are honest and knowledgeable about every sort of product and explained which ones would work best for my situation. I would recommend them without a shadow of doubt.”
~ Shawn
Put You & Your Family in Good Hands
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Let Royale Financial Group help you start planning for your financial future.
There’s no cost, no obligation, and no reason not to get started.