You Can Focus on Your Recovery.
Critical Illness Insurance (CI) is a lump-sum tax free benefit paid out upon the diagnosis of one of 25 covered conditions. Critical Illness helps to ensure that you can focus on your recovery and not worry about the financial implications or obligations that often accompany illness or injury.
Critical Illness Insurance Makes Recovery More Comfortable.
When illness or accident strikes, Critical Illness (CI) insurance allows you to seek treatment outside of Canada, fly in family members to assist with your care, provide income replacement for a spouse acting as caregiver, or hire a nanny or eldercare. Gaining access to these services and support helps to make recovery more comfortable.
Our knowledgeable team can provide a diverse range of options to help ensure that your family is taken care of—when faced with a critical illness. Eliminating the stress of worrying over financial obligations at such a time allows you to focus on what's most important - your health.
Personal Disability Coverage Benefits:
Guaranteed Premium - For many policies the premiums are guaranteed, they will not increase or be cancelled unless you want to upgrade your coverage or terminate your policy.
Customized - Benefit amount, length of coverage, start date, and options/riders.
Portability - Coverage goes where you go, whether it is to a new company, new province or out of the country.
Definitions -Superior definitions to standard group LTD insurance. Enhanced definition of disability to age 65, partial disability etc.
Disability Insurance Helps To Protect Families.
Your ability to generate an income is your most important asset. Yet often people choose not to protect it. When faced with injury or sickness many people are forced to look to savings, RRSP’s, sale of assets and/or loans from family or friends to replace their income. But, did you know income replacement insurance is available at a price you can afford.
Disability Insurance is income replacement insurance. At DFG, we explain the available plan designs to suit your particular income requirements, contract definitions and terms, and covered conditions. We will customize a policy to suit your unique needs and budget.
You can purchase this coverage to top up or enhance existing group Long Term Disability coverage, or in lieu of if self-employed, or simply do not have disability protection.