Living Benefits

What is Disability Insurance? 

Disability insurance works when you can’t. If an illness or accident keeps you from working, disability insurance can give you a tax-free monthly benefit to help you pay your expenses by replacing some of your earnings. These policies can be customized with additional benefits at an extra cost to best suit your needs.

What is Critical Illness Insurance? 

Being diagnosed with an illness is something that can have a negative impact on your personal and family finances. Critical illness insurance provides you with financial assistance so you can maintain your standard of living and focus on what matters—recovery.

If you are diagnosed with a critical illness that is covered by your policy and you survive the illness for the first 30 days, you will receive a tax-free lump sum payment to help you cover the costs of the illness. You can use the money as you see fit, without having to justify how you spend it!

What is Long-Term Care Insurance? 

Long-term care insurance can provide coverage if you become unable to care for yourself and need assistance to manage daily living activities.

Long-term care isn’t just for seniors. You may become unable to care for yourself for 90 days or more at any point in your life. Long-term care insurance can cover some of the costs of a care facility or a caregiver in your own home following an accident or illness.