Total and Permanent Disability Insurance

To provide a lump sum when you are total and permanent disabled to help sort out:

  • reduce debt, ,
  • pay for home modifications'
  • car modifications
  • reduce/payoff mortgage
  • create an investment fund

Own occupation option

  • By diagnosis not to ever engage in your own occupation again, i.e. the occupation you were employed in immediately prior to disability
  • Unable to perform at least 2 Activities of your daily life.
  • Permanent cognitive impairment
  • Loss of both hands, both feet, or one hand and one foot;
  • Loss of sight in both eyes
  • Loss of one hand or one foot and sight in one eye

Any occupation option

We Seldom recommend this.