Your ability to earn income is your greatest asset. Disability Insurance replaces a portion of your salary if an illness or injury prevents you from working. Lifex Insurance advises professionals and business owners in Burlington, Hamilton, Niagara, and St. Catharines on building strong income-protection plans.
Coverage basics
- Monthly benefit based on income and occupation class.
- Waiting periods (elimination) from 30–120+ days.
- Benefit periods from 2 years to age 65 or 70.
- Definitions: own-occupation or regular occupation options.
Enhancements
- Cost-of-Living Adjustments (COLA).
- Partial/residual disability benefits.
- Future increase options without new medical underwriting.
Our process
- 1.Needs analysis: Income, fixed expenses, and employer coverage review.
- 2.Plan design: Balancing premium with robust definitions and riders.
- 3.Claims clarity: We walk through claim scenarios so you know what to expect.
Why Lifex Insurance
- Independent access to leading Canadian DI carriers.
- Clear, practical advice tailored to your profession or business.
Outcome: The confidence to focus on recovery—not cash flow.