Disability insurance is designed to replace income that is lost if you are unable to work due to a major illness or accident.  Many people have individual or group disability insurance that covers them on a day-to-day basis in their home country doing their regular job, but these policies may not cover dangerous activities, overseas employment or foreign travel.

This is a very important way to protect yourself.  If you are seriously injured, it isn’t enough for the hospital bills to be covered: you need a way to pay for your day-to-day expenses while you’re off work recovering.  There are two types of coverage available: temporary coverage will pay a monthly sum for one to two years while you remain disabled, whereas permanent coverage will pay a single lump-sum payment if you remain permanently disabled after a waiting period of one to five years.  You may apply to purchase either or both.

How to Get a Quote & Apply

• Application Form for Individuals

• Application Form for Groups & Corporations

In order to get a quote, you will need to fill out the application form above.  This form will allow you to select exactly what benefits you require.  Please allow up to 5 business days for a quote.  If you do not like the quote that we offer, you are under no obligation to purchase, and we may be able to offer other alternatives.

You may return the application form to us by email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or by fax at 416 730-1878.