Your earning potential is a far more valuable asset than your automobile or your home.

Disability insurance is designed to protect you from the possible loss of income. What's the possibility of this happening? It's more than you'd imagine. Why should you consider it? It's the only sure way to provide guaranteed coverage and guaranteed premiums.

What's the possibility of this happening?

Chances of becoming disabled for 3 months or longer before age 65*

Percentage	58%	54%	50%	48%	40%	30%	23%
Age	25	30	35	40	45	50	55

* Derived from 1985 Commissioners Individual Disability Table A.

Why should you consider personal disability insurance?

• Worker's Compensation only covers work related accidents.
• Unemployment insurance only covers 15 weeks.
• Canada Pension Plan: Are you comfortable relying on the government for a benefit that can change?
• Group and association coverage can fill a valuable role in long-term disability protection. However, the benefit may be limited by the definition of disability and coverage amount.

Remember, a custom designed individual disability plan will provide you with guaranteed coverage and guaranteed premiums. We will help you find the right solution. Let's talk!