Protect Your Income
When Life Takes
an Unexpected Turn

Living Benefits Insurance provides financial protection while you are alive if a covered illness, injury, or disability affects your health or ability to work. Depending on the policy, benefits may be paid as a lump sum or ongoing payments.

Disability Insurance can replace a portion of your income if an illness or injury prevents you from working. Critical Illness Insurance generally provides a lump-sum payment if you are diagnosed with a covered critical illness and meet the policy requirements.

Self-employed individuals may have limited or no employer-sponsored disability benefits. Disability Insurance can help protect a portion of their income if a covered illness or injury prevents them from working.

Depending on the type of coverage, benefits can help with everyday living expenses, mortgage or rent payments, bills, recovery-related costs, and other financial obligations while dealing with a covered illness or injury.

The appropriate amount depends on factors such as your income, monthly expenses, existing insurance, savings, debts, family responsibilities, and budget. A needs analysis can help determine which coverage options may be suitable for your situation.