Dependent Life Insurance
Provides support for a spouse or dependent, helping cover final costs and immediate family needs.
The coverage Members assume they have — but don’t
When illness or loss strikes, coverage provides time to recover and grieve — without the weight of financial stress.
Provinces can help with drugs. No one replaces a paycheque when someone’s off work for months or takes care of funeral expenses. That’s why Long Term Disability and Life Insurance are the most defensible coverage you can add — and the door-opener to the rest of Peace of Mind (Life, AD&D, Critical Illness).
Round it out after Long Term Disability and Life Insurance
Eligible groups start at 3 employees.
Points to consider
You’re covered for health and dental — great. If someone couldn’t work for 6 months, who replaces their income? Provinces help with drugs; they don’t replace a paycheque. Long Term Disability means the mortgage still gets paid, layering Life, Accidental Death and Dismemberment Insurance, and Critical Illness finish the risk picture.
Business owners, if you couldn’t work, what happens to payroll and your family’s expenses? Long Term Disability buys time. Life, Critical Illness, and Accidental Death and Dismemberment Insurance secure the rest.
Common Objections
“We’re healthy.”
That’s about today. Long Term Disability is for when “healthy” changes tomorrow — and it protects the whole household.
“Budget is tight.”
Long Term Disability is the highest-impact dollar in the plan. Start small; add Life, Accidental Death and Dismemberment Insurance, and Critical Illness later.
“We already improved drugs.”
Great. Drugs ≠ income. Health and Dental reduce receipts; Long Term Disability replaces paycheques.
“We’re a small team.”
3+ employees is enough to start. Simpler than you think.
Make LTD and Life the obvious first adds.
Book a chat with our Co-Founder!
