Why Disability Insurance Matters
If you rely on your income to pay your bills, support your family, or maintain your lifestyle, disability insurance protects you when illness or injury prevents you from working. Without it, you could face financial hardship at a time when you’re already dealing with health challenges.
We help you understand how much coverage you need and which type of policy provides the right protection for your career and financial situation.
Short-Term Disability Insurance
Provides income replacement for temporary disabilities lasting weeks to months (typically 3-6 months). Covers common situations like recovery from surgery, pregnancy, or short-term injuries.
Long-Term Disability Insurance
Protects your income if you’re unable to work for extended periods (months to years, or until retirement). Essential coverage for serious illnesses, major injuries, or chronic conditions.
Group Disability Insurance
Coverage provided through your employer, often at lower cost. May offer basic protection but frequently has limitations in coverage amount and benefit period.
Individual Disability Insurance
Personal policy you own independently of your employer. Offers more comprehensive coverage, portability between jobs, and customizable benefits to match your income needs.
- How much of my income will disability insurance replace?
- Is my group coverage through work enough, or do I need supplemental coverage?
- How long do I have to wait before benefits begin?
- What medical conditions are covered and excluded?
- Can I get coverage if I'm self-employed or have a high-income profession?
Getting Started with Disability Insurance
Disability insurance is more affordable than most people think, and it's easier to qualify when you're healthy. We help you understand your existing coverage gaps and find policies that protect your most valuable asset—your ability to earn an income.
During your consultation, we'll review your current income, assess any employer-provided coverage, and recommend disability insurance solutions that provide comprehensive protection at competitive rates.
Disability Insurance Services in Surrey, BC
Whether you're in the Lower Mainland or anywhere in British Columbia, we help working professionals and families protect their income with appropriate disability insurance coverage.
From healthcare professionals and business owners to young families and established earners, our Surrey office has helped hundreds of clients secure the income protection they need.
Rick Singh - Founder
Retire with confidence