Critical Illness & Disability Insurance
Life insurance pays when you die. Living benefits pay while you're alive—when you're sick, injured, or unable to work. For most working adults, the risk of a serious illness or disability is higher than the risk of death, and the financial impact can be just as severe.
Living benefits we help clients secure
Critical Illness Insurance
Pays a lump sum if you are diagnosed with a covered critical illness (cancer, heart attack, stroke, and others). The money is yours to use however you need—medical expenses, income replacement, or lifestyle adjustments.
Disability Insurance (Long-Term)
Replaces a portion of your income if you can't work due to illness or injury. This is often the most important coverage for working adults because your income funds everything else.
Disability Insurance (Short-Term)
Covers the gap between when you stop working and when long-term disability or other benefits kick in. Often used to bridge the first few months of a disability.
Why Living Benefits Matter
Income Protection
If you couldn't work for months or years, how would you pay bills? Disability insurance replaces a portion of your income (typically 60-70%) so you can focus on recovery, not finances.
Lump Sum for Critical Illness
A critical illness diagnosis often means time off work, travel for treatment, experimental therapies, or lifestyle changes. A lump sum gives you flexibility to handle whatever comes.
Own Occupation vs Any Occupation
Disability policy definitions matter. 'Own occupation' coverage pays if you can't do your specific job. 'Any occupation' only pays if you can't do any job. We'll explain the difference and recommend the right definition.
Coordination with Group Benefits
If you have group disability or critical illness through work, individual coverage can fill gaps—higher benefit amounts, portable coverage, and better definitions. We'll review what you have and recommend top-ups if needed.
Income Protection
If you couldn't work for months or years, how would you pay bills? Disability insurance replaces a portion of your income (typically 60-70%) so you can focus on recovery, not finances.
Lump Sum for Critical Illness
A critical illness diagnosis often means time off work, travel for treatment, experimental therapies, or lifestyle changes. A lump sum gives you flexibility to handle whatever comes.
Own Occupation vs Any Occupation
Disability policy definitions matter. 'Own occupation' coverage pays if you can't do your specific job. 'Any occupation' only pays if you can't do any job. We'll explain the difference and recommend the right definition.
Coordination with Group Benefits
If you have group disability or critical illness through work, individual coverage can fill gaps—higher benefit amounts, portable coverage, and better definitions. We'll review what you have and recommend top-ups if needed.
Want to protect your income?
We'll help you understand your options and fill gaps in your coverage.
Tell us about your income, occupation, existing benefits, and health history. We'll recommend coverage amounts, explain policy definitions, and shop multiple carriers for the best fit.
Key Things to Know
Your ability to earn income is your biggest asset
Most people insure their car and home but not their income. If you're working age, the present value of your future earnings is likely your largest asset. Disability insurance protects it.
Group coverage may not be enough
Employer disability plans often cap at 60-66% of salary, may have taxable benefits, and end when you leave. Individual coverage can supplement and provide portability.
Critical illness is not life insurance
Critical illness pays while you're alive to help with treatment and recovery costs. Life insurance pays after death. They solve different problems and often make sense together.
Your ability to earn income is your biggest asset
Most people insure their car and home but not their income. If you're working age, the present value of your future earnings is likely your largest asset. Disability insurance protects it.
Group coverage may not be enough
Employer disability plans often cap at 60-66% of salary, may have taxable benefits, and end when you leave. Individual coverage can supplement and provide portability.
Critical illness is not life insurance
Critical illness pays while you're alive to help with treatment and recovery costs. Life insurance pays after death. They solve different problems and often make sense together.
Common misses we fix for working adults
Quick items that prevent financial hardship during illness or injury.
Frequently Asked Questions
What is the difference between critical illness and disability insurance?
Critical illness pays a one-time lump sum upon diagnosis of a covered illness. Disability insurance pays ongoing monthly benefits if you can't work due to any illness or injury. They solve different problems and often complement each other.
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