Disability Insurance

Disability insurance or “income replacement” provides a non-taxed monthly benefit in the event you become disabled through an illness or an injury and can no longer work. The insurance company essentially pays some or all of your monthly expenses when you can’t.

Protect your ability to earn an income

Did you know that the odds of a 35 year old male, non-smoker suffering a long-term disability before the age of 65 are more than 1 in 3? And it is even higher for a 35 year old woman.

Your most valuable asset is your ability to earn an income

For most of us, our lifestyle and our dreams for the future depend on our ability to earn an income. Our most valuable asset is indeed our ability to make a living.

Insure your most valuable asset

We insure our home and our car. Yet very few of us insure our ability to earn an income. And while some of us have group disability insurance, group coverage is sometimes limited.

Have you considered what would happen if a disability disrupted your ability to work and earn an income? The impact on your financial future could be significant:

  • How many months or years could you maintain your lifestyle?
  • How would you support your family? Would you have to give up your dreams for their future?
  • What would the impact on your retirement plans be?

And the list goes on. If you have disability insurance through your employer or other sources, I encourage you to understand the coverage that it provides. While no one plans to become disabled, having an income replacement plan will provide peace of mind.

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Mutual funds are offered through Manulife Securities Investment Services Inc. Insurance products and services are offered through CBS Financial Directions. View Manulife Securities Disclaimers

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