DISABILITY INSURANCE

Disability
insurance.

If illness or an accident prevents you from working, disability insurance pays a monthly benefit according to the terms of the contract. It helps protect your lifestyle, your debts and your family, even if your employer doesn't cover you.

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COVERAGE

What this insurance covers

Disability insurance replaces part of your income if illness or an accident prevents you from practicing your profession, according to the terms of the contract.

Income replacement

A monthly benefit that generally aims for 60% to 85% of your net disposable income, for the period set out in the contract.

60% to 85% of net disposable income

Monthly benefit

Generally tax-free if you pay the premium

Own-occupation definition

An advantageous definition for professionals: you may be compensated if you can no longer perform YOUR profession, according to the terms of the contract.

Per the contract

Often chosen by professionals

Tied to your profession, not the job market

Long-term protection

Coverage possible until age 65 depending on the contract, while some group plans cap the amount or change the definition after a period.

Until age 65 depending on the contract

Renewal without medical evidence per the contract

Premium set at issuance per the contract

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 personalized estimate,
without leaving home.

Alexandre reviews your situation and calls you back with a personalized recommendation. Free, no obligation.

Review of your income and expenses

Direct access to iA products

No obligation to sign up

The analysis is free. If you sign up, Alexandre is paid a commission by the insurer or product provider.

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 helps protect the source of everything else.

Most people underestimate this risk: illness or an accident can stop your income for months, long before retirement.

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.

60% to 85%

of net disposable income: the protection Alexandre generally aims for, based on your real needs and the limits set by insurers

Source: Alexandre Garneau

Protect yourself now

Income protection through disability insurance - Services Financiers AG.

AMF certificate no. 272275

Financial Security Advisor

WHO IS IT FOR?

Who is it useful for?

Self-employed

The self-employed worker

"You have no group insurance"

No employer group plan

Tax treatment depends on who pays the premium

Own-occupation definition available

Professional

The professional

"Your income rests on your hands"

Surgeon, dentist, notary, accountant

Own-occupation definition worth considering

Coverage possible until age 65

Under-covered employee

The under-covered employee

"Is your group insurance enough?"

Amount and waiting period often unknown

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 suitable protection, among the products he has access to.

Direct access

Talk directly to Alexandre - fast response, personalized support.

Knowledge of disability contracts

Knowledge of definitions, waiting periods and complementary options - to help you choose a suitable policy.

iA Financial Group partner

Represents iA Financial Group and also offers MRa products.

Follow-up on your file

Review of your protection when your income or situation changes.

Alexandre Garneau, Financial Security Advisor, Services Financiers AG.

Direct

Access to Alexandre

COMPARISON

Without protection vs with protection

	No insurance	Group insurance	Individual policy RECOMMENDED
Income replacement	None	Depends on the plan	Aims for 60% to 85% of net disposable income
Coverage duration	-	Depends on the plan	Until age 65 depending on the contract
Disability definition	-	Depends on the plan	Own occupation (option)
Portability	No	No	Yes
Premium set at issuance (per the contract)	No	No	Yes
Cost-of-living indexation (option)	No	Depends on the plan	Yes
			Choose this option

PREMIUM CALCULATION

How is the premium
calculated?

Several factors influence your premium. Alexandre guides you toward conditions suited to your profile.

Get my estimate

Age and duration

The younger and healthier you sign up, the lower your premium generally is, and it can be locked in for the long term depending on the contract. 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 helps you compare the options available for your profession.

Income to protect

Amount and waiting period

Coverage is calculated on your net income. The waiting period (for example 30, 60, 90 or 120 days depending on the contract) 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 the benefit is only paid if you can't perform any job matching your education and experience, according to the contract.

CLAIM

How do you file a claim?

Alexandre supports you at every step.

Notification

Notify your insurer as soon as the disability is diagnosed.

Deadline per the contract

Documentation

Medical report, forms and employment history submitted.

Alexandre guides you

Review

The insurer assesses the file. Alexandre follows the progress.

Timeline set by the insurer

Payments

If the claim is accepted, payments start after the waiting period, according to the contract.

Monthly 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 more protective, and generally more expensive.

Is my group insurance at work enough?

Not always. If you change employers, does your group protection follow you? Very often not. Do you know the amount paid and the waiting period before you get paid? Many plans cap the amount or change the disability definition after a period. An individual policy can complement group coverage, depending on your situation.

Is disability insurance deductible for a self-employed worker?

If you pay the entire premium of an individual disability policy yourself, the premium is generally not deductible and the benefits are generally tax-free (FCAC). If your corporation or an employer pays, other rules apply, federally and in Quebec. The tax treatment depends on your situation: confirm it with your accountant.

How much does disability insurance cost?

The cost varies based on your age, profession, income, chosen waiting period and coverage duration. Alexandre prepares a free estimate based on your profile.

What is the waiting period?

It's the period between the start of your disability and the first payment (for example 30, 60, 90 or 120 days depending on the contract). 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 can become harder to get coverage without exclusions elsewhere.

Is this the same as personal loan insurance?

No. Disability insurance replaces part of your income if you can no longer work - the benefit is paid to you 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, depending on the contract. It lets you increase coverage at moments set out in the contract - 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 checks with you whether your policy covers both scenarios.

GOOGLE REVIEWS

What clients say

5.0 on Google · 10 reviews

“Alexandre explained the different types of personal insurance to me like no one else ever had. As a self-employed person, I didn't even know I could have income and disability insurance. I highly recommend him.”

Catherine BrasseurGoogle review · August 26, 2026 · Translated by Google

“Excellent service from start to finish. Alexandre is very professional, attentive, and takes the time to explain the different options without putting any pressure on me. I felt well-advised and confident throughout the entire process. I highly recommend AG Financial Services.”

Anthony DussaultGoogle review · July 16, 2026 · Translated by Google

“Excellent service! Very professional, available, and attentive. The explanations were clear, and the advice was truly tailored to our needs. I recommend them without hesitation!”

david vachonGoogle review · August 26, 2026 · Translated by Google

Reviews posted by clients on the Services Financiers AG Google listing, in French; the English text is Google's automatic translation. Every situation is different: a review does not predict the outcome of yours.

LET'S TALK

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today.

Alexandre analyzes your situation and calls you back with a suitable proposal. No obligation.

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AMF certificate no. 272275

Disability
insurance.