Ancillary Benefits

Life Happens – Be Prepared for the Unexpected.

Accident Insurance

Accidents can happen at any time and depending on the severity of the injury you may be
unable to work for extended period of time.

Accident insurance helps plug the gap between loss of income and return to work.

Payments are based on specific circumstance, generally the more serious the injury the higher the payment, up to and including a death benefit if you succumb to your injury.

Short Term Disability

While accident coverage is based on context short term disability (STD) provides a pre-
determined amount of your regular pay up to a maximum of 80% of your income for a specific
period of time.

Normal STD covers 90-180 days, more than sufficient for the majority of situations.

Payments commence after 7 or 14 days and continue until you return to work or the policy
reaches the end of the coverage period.

Hospital Indemnity

Hospital Indemnity pays claims if you are admitted to hospital for more than 20 hours and pays
a daily amount for your time in hospital.

Critical Illness

Major illnesses (heart attack, stroke, end stage renal failure etc) are expensive and debilitating.

Critical illness insurance pays out a lump sum upon diagnosis to allow you to decide how to manage the crisis.

Cancer

Similar to critical illness, Cancer coverage pays out after diagnosis to help cover costs associated with serious illness when cancer occurs.

Life Insurance

Life Insurance exists to cover loved ones if you experience an untimely death. One of the few things that can be done for loved ones if such a catastrophe occurs is to cover financial expenses to reduce worry for loved ones.

There are different types and dollar amount is based on your need and means.