Life & Wealth
Disability Insurance in Ontario
Your ability to earn an income is usually your largest asset. Disability insurance replaces a portion of that income if illness or injury keeps you out of work, short-term or long-term, partial or total, depending on the policy you choose.
- Short-term & long-term coverage
- Own-occupation definition available
- Self-employed friendly
- Coordinate with group LTD
Speak to an advisor
Life and living benefits advice.
Our LLQP-licensed, FSRA-regulated life advisors review your situation and explain the options that match your goals and budget.
Speak to a Broker Book an AppointmentWho this is for
- Self-employed professionals
- Incorporated business owners
- Skilled trades and contractors
- Anyone without group LTD coverage
How BrokerUnion helps
- Compare definitions of disability between carriers
- Model benefit period, waiting period and amount
- Coordinate with any group LTD you already have
- Walk you through underwriting
FAQ
Common questions
What's own-occupation coverage?
It pays the benefit if you can't perform the specific duties of your occupation, even if you could work in a different role. It's the strongest definition and worth asking for.
Living benefits products are sold by licensed life agents and are regulated separately from property and casualty insurance in Ontario.
Ready to talk disability insurance?
A licensed broker will review your situation and walk you through your options. No pressure, no jargon.
More life & wealth coverage
Term Life Insurance
Affordable coverage for a defined period.
Whole Life & Permanent Insurance
Lifetime coverage with a cash-value component.
Critical Illness Insurance
A lump sum when you need it most.
Personal Mortgage Protection
Better than the bank's mortgage insurance.
Travel Insurance
Out-of-province medical and trip protection.