Personal · Protect
Protect the income everything else depends on
Your ability to earn funds the mortgage, the savings and the plan. Disability and critical illness coverage keeps that engine running when health interrupts it.
What we look at closely
Definition of disability
Own-occupation wording matters far more than headline price.
Benefit and waiting period
Matched to savings, group coverage and monthly obligations.
Critical illness
A lump sum when a diagnosis changes the plan, not just the income.
Group gaps
Employer coverage reviewed for caps, taxability and portability.
Check your income protection
Bring your group booklet and we will show you the gap.
Information on this page is general in nature. Recommendations depend on your circumstances and may involve coordination with other licensed professionals.