Get Your Customized Income Protection: Why?

Get Your Customized Income Protection

Why your lifestyle is at risk more than you may think!

Working provides a rewarding lifestyle. But keeping that lifestyle is based on your ability to work and create income for yourself, your families and your workers

The risk of injury is unfurtunately everywhere. Research shows that Every hour, 427 Canadians experience a preventable injury.

So, what if you get injured?

How long can you be out of work and still maintain your current lifestyle?

We can help! We offer simple and affordable income protection plans to create income for you when you need it most.

Let one of our licensed advisors walk you through a customized solution for you and your family situation.

Click the button below to get started now!

Your lifestyle lifeline
Do you agree that generally your lifestyle is about:#1. the cars you drive,#2. the home you live in,#3. the vacations you take,#4. the education you invest in, &
#5. ultimately the retirement you save and plan for?

You’ve worked hard for the lifestyle you are become accustomed to.

As mentioned earlier, you need your income flow to support all your lifestyle needs.

However, your incomes can be at great risk due to unexpected injuries & illnesses.

Only 50% of Canadians don’t have an employer-sponsored group benefit plan.

So, what happens if you are not able to work due to an injury or illness?

Would your income continue to flow?

Do you have an alternative source of income?

And if your income stops flowing due to an injury or illness, would you be able to cover all your lifestyle needs?

Have you considered how you would maintain your lifestyle, if you were to get injured, get sick, or need to pay for medical bills?

While no one likes to think about being injured or becoming sick, you can’t afford to ignore the possibility.

We offer simple and affordable income protection plans to create alternative source of income for you.

Many Canadians are familiar with life insurance which pays out in the event of their death.

Many aren’t aware of the financial distress including lowering of lifestyles that occur if they experience an injury or illness without income protection.

As a result a substantial percentage of Canadians don’t have income protection plans to mitigate significant financial risk when the odds of experiencing an injury or illness are greatest.

No matter the kind work you do, or how much you earn, having a comprehensive income protection plan is the most important investment you can make to safeguard your long-term financial security and lifestyle.

So far, we can agree...

that one of the catastrophic risks that your lifestyle faces is loss of income in the event of an injury or illness, don't you agree? 

But, you might say; "What injury? Not not me, I will not get injured." 

I hear you, however, let's examine your injury risk rate based on your age.

Shall we? Click on the button below to get started.

Why take this income protection quiz

Know your risk rate: your age is an important factor in determining your risk rate. Basically, you are looking at the lenght of your working career ahead of you.

An extended period from now to the time you retire which is estimated to be at the age of 65. 

Determine your duration of disability: you will find out your expected average duration of disability you will miss work.

This is calculated by considering all possible injuries till age 65 - short & long term ones that you may suffer before you retire.

Know potential income loss: Identifies some of the more catastrophic risks that could adversely impact your Lifestyle.

Considering your risk rate and possible duration of disability, we will show you how much of your income you stand to loss.

Further, we will illustrate why it is important to have these risks in the hands of those with the financial ability to provide for you, your family and your business should the need arise.

The quiz will...

...show you a different way of viewing your income. 

A good exercise that would highlight the collective value of your income over time associated with you having the ability to:
#1. get up,
#2. go to work,
#3. generate an income each and every day.

Having Adequate Income Protection is the cornerstone of any financial security plan and yet many Canadians are not aware of this important fact.

As a result, they are exposed to significant financial risks making themselves, their families, and their businesses extremely vulnerable.

Question: is your ability to bring continuous flow of income well protected?

In order to confirm that you are not one of these Canadians, go ahead and check if you need income protection now by taking our simple short quiz.

Comparing Your Assets:
House vs Vehicles vs Income

Have you noticed if you have a mortgage, your bank is going to insist that you have adequate home insurance?

Who do you think this is meant to protect, you or the bank?

If you drive, would you also agree that, one of the biggest financial concerns is third party liability?

Which is why the government is going to insist that you have coverage not to protect you but to protect them, right?

Unfortunately, most people spend little to nothing on income protection, but more on other assets protection.

WHY?
Well people are required to as discussed above. 

Question: who loses if you lose your ability to work and bring in income?

Do you agree it is no one but you, your family, and your business?

Check now if you have enough income protection.

Other options you might choose

What happens if you lose your earning ability, how long are you going to be able to maintain the house you live in and the cars you drive?

You might consider one of these options:
#1. using your savings,
#2. having your spouse work,
#3. borrowing a loan
#4. accessing group benefits

But, is any of these right solution for you?

Let us talk savings...

...if you have been saving 5% of your income each year.

Did you know only six months of a total disability could wipe out 10 years of savings?

Surprising, right?

Is one income enough?

If you are currently living off two incomes, would one income be enough?

When injured or ill, will your spouse be able to juggle work and take care of you while you are sick?

What about a loan?

As you can imagine, it will be a challenge to secure a loan when you are disabled.

Even if you qualify for a loan, where is the money going to come from to pay the loan back?

Group benefits?

Group benefits may not be adequate over the long term - it only pays up to 15 weeks.
Many group plans may only replace half of your net income - only pays 55% of T4 to max of 51,300.

To qualify, you must have worked atleast 600 hours in the last 52 weeks.

You have to wait 6 months for CPP with rigorous qualification process.

WCB only covers work related injuries and pays based on only 85-90% of net income - reduces your take home income.

Group benefits are not meant to address the needs of self-employed, contract workers, and small business owners.
That is not enough, right?

Not untill...

Income & lifestyle protection comes to the rescue
The answer is clear, isn't? 

Your ability to generate an income is your most important asset and without income protection, it is not adequately protected.

Income protection helps offset out-of-pocket healthcare expenses and prevent a medical emergency from becoming a financial catastrophe.

It transfers the financial burden of a sudden event to a third party so you have a reliable safety net when the need arises.

It provides a predictable and affordable means for safeguarding your livelihood and your family’s stability so you can focus on your recovery instead of how to make ends meet.

It gives you 24-hour coverage - because injuries can occur anywhere at anytime.

It also covers soft-tissue injury that is caused by repetitive motion.

Not by force...

We hope you have found value so far.

We would like to encourage you to take the next step and check if you need income protection.

See how much income you stand to lose.

After that schedule a short phone call to discuss the only logical solution -  income protection - and see if this is a fit for you and that we can help you effectively protect your lifestyle you've worked hard to achieve.

We will not try to force you to do something against your will.

We are looking for an individual who sees value in protecting their lifestyles and needs our help protect their most valuable asset – ability to earn income.

Make sense?

Don't Delay, Act Now...

The everyday lifestyle needs of running your family don't stop just because you become sick or injured!

Fill & submit the form below to get started...

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