Disability Insurance.
Replaces a portion of your income if illness or injury keeps you from working — the coverage every earner should have.
Everything you'd expect. Nothing you don't.
Plain-English coverage, no 40-page policy wording to decode.
Income replacement
A monthly benefit if you can't work due to illness or injury.
Short- & long-term
Short-term for quick-recovery events; long-term for extended disability.
Own-occupation option
Pays if you can't do your specific occupation — important for professionals.
Waiver of premium
Premiums waived while you're disabled and receiving benefits.
Three steps. One conversation.
Tell us about you
5 minShort intake — we learn what you need and what matters.
We shop markets
1–3 daysWe place your file with the right carriers and compare options.
Review and bind
15 minPick the option that fits. We walk you through before you sign.
Questions we hear most.
Isn't CPP-D enough?
For most earners, no. CPP-D replaces a small portion of pre-disability income and is hard to qualify for.
What if I'm self-employed?
Self-employed professionals often need it most — we specialise in these plans.
Ready to get covered?
Talk to a real BC advisor. No scripts, no upsells.