DISABILITY INSURANCE

Disability
insurance.

If you can no longer work, your income continues. Disability insurance protects your lifestyle, your debts and your family - even if your employer doesn't.

Talk to an advisor

COVERAGE

What this insurance covers

Disability insurance replaces your income if illness or an accident prevents you from practicing your profession.

Income replacement

A monthly benefit of up to 85% of your net income, for the entire duration of the disability.

Up to 85% of net income

Monthly benefit

Tax-free (if personal premium)

Own-occupation definition

The most advantageous definition: you're covered if you can no longer perform YOUR specific profession.

Maximum protection

Recommended for professionals

Independent of the job market

Long-term protection

Coverage until age 65 - not just 2 years like limited group insurance.

Until age 65

Renewal without medical evidence

Premium set at issuance

Complementary options

Cost-of-living indexation, deductible buyback option, integrated critical illness coverage depending on the product.

Indexation available

Deductible buyback option

Partial coverage possible

FREE ESTIMATE

Your estimate in less than 24h,
without leaving home.

Alexandre analyzes your situation and gets back to you with a suitable proposal. Free, confidential and with no obligation whatsoever.

Analysis of your situation within 24h

Direct access to iA products

No obligation to sign up

WHY THIS INSURANCE?

Your income is
your most valuable asset.

You insure your car, your home, even your phone. But without your income, none of that is possible. Disability insurance protects the source of everything else.

Most people underestimate this risk. A long-term disability is statistically more likely than an early death during your working years.

The right amount depends on your net income, your fixed expenses and the support you already have. Alexandre works it out with you - never a generic formula.

1/3

Canadians will experience a disability of 90 days or more before age 65

Source: Canadian life insurers

48%

of personal bankruptcies are linked to health problems

Source: Canadian actuarial studies

64%

of self-employed workers have no disability protection

Source: CFIB survey 2024

Protect yourself now

Income protection through disability insurance - AG Financial Services.

AMF registered #272275

Financial Security Advisor

WHO IS IT FOR?

Who is it useful for?

Self-employed

The self-employed worker

"You have no group insurance"

Zero protection without a private policy

Premium often deductible

Own-occupation definition available

Professional

The professional

"Your income rests on your hands"

Surgeon, dentist, notary, accountant

Own-occupation definition essential

Coverage until age 65

Under-covered employee

The under-covered employee

"Your group insurance is insufficient"

Group often limited to 2 years

Complementary individual coverage

Maintained if you change jobs

WHY CHOOSE US

The Alexandre advantage

No bureaucracy, no call center. Alexandre understands your situation and offers you the best conditions on the market.

Direct access

Talk directly to Alexandre - fast response, personalized support.

Disability expertise

Mastery of definitions, waiting periods and complementary options - to find you the best policy.

iA Financial Group partner

iA partnership + MRA Network to offer you the best conditions on the market.

Free annual follow-up

Review of your file every year, based on changes in your income and situation.

Alexandre Garneau, Financial Security Advisor, AG Financial Services.

100%

Direct access

COMPARISON

Without protection vs with protection

	No insurance	Group insurance	Individual policy RECOMMENDED
Income replacement	0%	Up to 66%	Up to 85%
Coverage duration	-	2 years (often)	Until age 65
Disability definition	-	Any occupation	Own occupation
Portability	Non	Non	Oui
Fixed premium for life	Non	Non	Oui
Cost-of-living indexation	Non	Non	Oui
			Choose this option

TESTIMONIALS

What clients say

“Chronic tendinitis put me out of action for 4 months. My disability insurance - deductible as a business expense - covered 85% of my net income. Without it, I would have drained my savings.”

Thomas G.

IT consultant, self-employed

“Alexandre explained that my group insurance only covered 2 years. I was 35. We set up an individual policy until age 65. The price difference was minimal for far superior protection.”

Marie-Ève L.

Physiotherapist, Quebec City

“No jargon, no pressure. Alexandre helped me compare disability definitions - a detail that changes everything if you ever have to claim.”

David B.

Dentist, Montreal

* Names have been changed to protect client confidentiality.

PREMIUM CALCULATION

How is the premium
calculated?

Several factors influence your premium. Alexandre guides you toward the best conditions for your profile.

Get my estimate

Age and duration

The younger and healthier you sign up, the lower your premium and the longer it's locked in. A temporary disability or health issue can reduce your future insurability options.

Profession

Higher-risk trades pay more

Insurers classify professions by risk level. An office worker will get different conditions from a roofer or a healthcare professional. Alexandre knows the best options for your profession.

Income to protect

Amount and waiting period

Coverage is calculated on your net income. The waiting period (30, 60, 90 or 120 days) directly affects the premium - the longer it is, the lower the premium.

Chosen definition

Own vs any occupation

The 'own occupation' definition is the most protective but also more expensive. The 'any occupation' definition is cheaper but requires you to accept any job you're qualified for before being compensated.

CLAIM

How do you file a claim?

Alexandre supports you at every step.

Notification

Notify your insurer as soon as the disability is diagnosed.

Timeline: 90 days

Documentation

Medical report, forms and employment history submitted.

Alexandre guides you

Review

The insurer assesses the file. Alexandre follows the progress.

Target: 30 days

Payments

Monthly payments triggered as soon as the waiting period ends.

Regular payments

COMPLETE YOUR PROTECTION

Frequently asked questions

What's the difference between 'own occupation' and 'any occupation'?

The 'own occupation' definition protects you if you can no longer perform YOUR specific trade - even if you could do other work. The 'any occupation' definition only pays a benefit if you can't perform ANY job matching your qualifications. The first is clearly superior.

Is my group insurance at work enough?

Often no. Group insurance generally limits coverage to 2 years (with an 'any occupation' definition afterward), caps the amount, and isn't portable if you change jobs. An individual policy advantageously complements or replaces group coverage.

Is disability insurance deductible for a self-employed worker?

If you're self-employed, the premiums can be deductible as a business expense under certain conditions - in which case the benefits will be taxable. If you pay the premium personally, the benefits are generally tax-free. Alexandre analyzes your structure to advise you.

How much does disability insurance cost?

The cost varies based on your age, profession, income, chosen waiting period and coverage duration. As a rule, expect between 1% and 3% of the annual income to protect. Alexandre prepares a free estimate within 24h.

What is the waiting period?

It's the period between the start of your disability and the first payment (usually 30, 60, 90 or 120 days). The longer it is, the lower the premium. Alexandre helps you choose the period that fits your financial situation.

Can you be declined for disability insurance?

Yes, depending on your health and profession. That's why it's important to sign up while you're healthy - once declined or with exclusions, it's hard to find full coverage elsewhere.

Is this the same as personal loan insurance?

No. Disability insurance replaces part of your income if you can no longer work - the money is yours and can be used for any expense. Loan insurance (or creditor insurance) pays a loan balance directly to a lender in case of death or disability. These are two distinct products.

Can I increase my coverage later?

Many policies offer a guaranteed insurability option. It lets you increase coverage at key moments - marriage, a child, a raise - without new medical evidence. Alexandre checks whether this clause is included.

What does partial disability cover compared to total?

Total disability means you can't do your job at all. Partial reduces your capacity without eliminating it, and some policies pay a proportional benefit. Alexandre makes sure your policy covers both scenarios.

LET'S TALK

Protect your income
today.

Alexandre analyzes your situation and calls you back with a suitable proposal. Free, no obligation.

Reply within 24h

No obligation

AMF registered #272275

Disability
insurance.