Canadian Life Insurance and Living Benefit products презентация

RBC Insurance Disability Insurance – Professional Series: product details, reviews, quote examples
Who is covered by RBC Insurance Disability Insurance – Professional series:
RBC Insurance Disability Insurance – Professional Series: How does it work:
RBC Insurance Disability Insurance – Professional Series”: reviews
Lorne Marr
Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla-
Richard Parkinson
Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla-
RBC Insurance Disability Insurance: Important to know
Does not cover you if you are older than 65
Does not cover you if you worked for less than 2 years
RBC Insurance, Sample Disability Insurance quote for “The Professional Series”:
Male 25 years old
Non-smoker
Occupation class 3A (Most “white collar” workers (office, clerical or light sales work); no manual duties.
Income: $50,000
Elimination period: 90 days
Benefit period: to age 65
Benefit amount Non-Taxable: $3,000
Includes cost of living adjustment benefit
Insurance rate: $73.69 / month ($842 / month)
To be added as WP comment section
To be added as hardcoded
When selling disability insurance products, insurance companies look very carefully at your job and the likelihood of you being injured while doing your job. Some jobs are more dangerous than others, so insurers divide all possible occupations into insurance classes and often insure just a subset of them. An overview below shows what insurance classes this particular insurance product covers. Don’t worry! If your occupation class is not covered, you still can qualify either for disability insurance products from other providers or for simplified issue disability insurance or guaranteed issue disability insurance products. Check the overview below to find out more.
Class
Job description
Covered by this product?
Class 4A
Specific professions listed in the schedule and select business executives / white collar employees (with limited sales duties) who qualify.
✔ covered
Class 3A
Most “white collar” workers (office, clerical or light sales work); no manual duties.
✔ covered
Class 2A
Skilled specialized workers who do not qualify for 3A. Duties are limited to sales, supervision and providing services. Farm owners (with minimum 20% ownership) are Class 2A Venture Series.
✔ covered
Class A
Skilled manual workers in the lighter trades and industries and some unskilled workers where duties are light and working conditions are favourable. To qualify, there must be no hazards from heat, chemicals, explosives, or heavy equipment/machinery. Does not include occupations where job stability may be a concern (e.g., fitness and beauty industries).
not covered
(You can apply for a simplified issue or guaranteed issue products)
Class B
All remaining insurable occupations, mainly those requiring heavy physical exertion such as unskilled or manual labourers, drivers of vehicles and jobs with significant accident risk. Also includes some occupations with light duties but where job stability may be of some concern (e.g. fitness and beauty industries.).
Uninsurable occupations
Some occupations are uninsurable due to unusual physical hazards (e.g., workers handling explosives) or because of a high degree of job instability (e.g., actors, writers, taxi drivers, etc.).
not covered
(You can apply for a simplified issue or
guaranteed issue products)
not covered
(You can apply for a guaranteed issue, product)
RBC Insurance Disability Insurance: Pros and Cons
Pros:
Wide choice of elimination periods (i.e. time in days after which you can start getting insurance payments): 30, 60, 90, 120, 730
No integration of benefits (however because of this other benefits can be reduced)
Cons:
No coverage for higher risk occupations
No coverage for own occupation (e.g. for freelancers)
No coverage after the age of 65
No life time benefits available
Return of premiums not available
Comment
The full disability benefits depend on your income e.g. for a pre-tax annual income of $40,000 your maximum monthly benefit could be around $2,375 representing ~71% of your income.
For a pre-tax income of $120,000, your benefit can be around $5,860 (~59% of your income).
Please note these numbers are approximate and can be different for your particular situation.
It is also important to know that disability benefits are typically not stackable meaning that if you qualify for another disability benefit e.g. under your group coverage, your individual disability benefit will be reduced accordingly.
In case of Partial Disability (based on time able to work) you receive 50% of your monthly benefit for the first 24 months and 25% for the remainder.
RBC Insurance Disability Insurance – Professional Series: Coverage
Get your free quote
Similar to other disability insurance products, RBC Insurance Disability Insurance, Professional Series, provides insurance coverage in the form of regular monthly payments, should you become disabled and not be able to perform your job duties either temporarily or permanently. In some cases, you might be able to perform a part of your duties – in this case you may qualify for either residual disability or partial disability benefits.
We have put together useful information about RBC Insurance Disability Insurance, Professional Series based on existing policies (note that this data can change without notice).
Contact us to get access to the most updated disability insurance information.
Get your free quote
Get your free quote
Disability Insurance Quote
Monthly
benefits:
Occupation:
Location:
Male: Female:
Name:
Phone:
Smoker: Non-smoker:
Birth
Date:
Month
Year
First and Last name
Phone
Email (optional)
Comment (optional)
Email:
Comment:
Get your free quote
Get your free quote
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
New form:
Email subject: LSM Insurance Lead – DI from RBC Insurance – Professional Series:
Keyword: RBC Disability Insurance (500) rbc disability insurance professional series (0-10)
TITLE: RBC Disability Insurance – Professional Series | Expert review
URL: /rbc-disability-insurance-professional-series
DESCRIPTION: Our insurance experts review, evaluate and explain RBC Disability Insurance – Professional Series and how it compares to other disability products.
https://lsminsurance.ca/canadian/disability-insurance
https://lsminsurance.ca/canadian/disability-insurance
No link for now – take the link out
No link for now – take the link out
No link for now – take the link out
No link for now – take the link out
No link for now – take the link out
No link for now – take the link out
No link for now – take the link out

Canada Life Disability Insurance: How does it work:
Canada Life Lifestyle Protection: product details, reviews, quote examples
Who is covered by Canada Life Disability Insurance:
Similar to other disability insurance products, Canada Life Disability Insurance, Lifestyle Protection, provides insurance coverage in the form of regular monthly payments, should you become disabled and not be able to perform your job duties either temporarily or permanently. In some cases, you might be able to perform a part of your duties – in this case you may qualify for either residual disability or partial disability benefits.
We have put together useful information about Canada Life Disability Insurance, Lifestyle Protection, based on existing policies (note that this data can change without notice).
Contact us to get access to the most updated disability insurance information.
Canada Life Disability Insurance - Lifestyle Protection: reviews
Lorne Marr
Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla-
Richard Parkinson
Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla-
Canada Life Disability Insurance: Important to know
Canada Life is one of the few providers offering life time benefits – accident and graded sickness (an additional rider). It pprovides you with an income for life by paying a monthly benefit from age 65 for life while you remain totally disabled.
Total disability must begin before age 65. If you become totally disabled due to injury before age 65 or sickness before age 55, 100% of your monthly benefit will be payable for life while you remain totally disabled. If you become totally disabled after age 55 due to sickness, 100% of your monthly benefit will be payable until age 65. After age 65, your monthly benefit will be reduced based on your age at the time total disability began, and reduces by 10% each year from age 55.
Example: if you become disabled at age 56 due to sickness, you will receive 100% of the monthly benefit until age 65 and then 90% for life while you remain totally disabled.
To be added as WP comments
To be added as hardcoded
When selling disability insurance products, insurance companies look very carefully at your job and the likelihood of you being injured while doing your job. Some jobs are more dangerous than others, so insurers divide all possible occupations into insurance classes and often insure just a subset of them. An overview below shows what insurance classes this particular insurance product covers. Don’t worry! If your occupation class is not covered, you still can qualify either for disability insurance products from other providers or for simplified issue disability insurance or guaranteed issue disability insurance products. Check the overview below to find out more.
Class
Job description
Covered by this product?
Class 4A
Specific professions listed in the schedule and select business executives / white collar employees (with limited sales duties) who qualify.
✔ covered
Class 3A
Most “white collar” workers (office, clerical or light sales work); no manual duties.
✔ covered
Class 2A
Skilled specialized workers who do not qualify for 3A. Duties are limited to sales, supervision and providing services. Farm owners (with minimum 20% ownership) are Class 2A Venture Series.
✔ covered
Class A
Skilled manual workers in the lighter trades and industries and some unskilled workers where duties are light and working conditions are favourable. To qualify, there must be no hazards from heat, chemicals, explosives, or heavy equipment/machinery. Does not include occupations where job stability may be a concern (e.g., fitness and beauty industries).
✔ covered
Class B
All remaining insurable occupations, mainly those requiring heavy physical exertion such as unskilled or manual labourers, drivers of vehicles and jobs with significant accident risk. Also includes some occupations with light duties but where job stability may be of some concern (e.g. fitness and beauty industries.).
Uninsurable occupations
Some occupations are uninsurable due to unusual physical hazards (e.g., workers handling explosives) or because of a high degree of job instability (e.g., actors, writers, taxi drivers, etc.).
✔ covered
not covered
(You can apply for a guaranteed issue,
product)
Canada Life Lifestyle Protection: Pros and Cons
Pros:
Covers more job / occupation categories than most other providers including class A and class B jobs (see above)
Covers own occupations for classes 4A and 3A
Wide choice of elimination periods (i.e. time in days after which you can start getting insurance payments): 30, 60, 90, 120, 180, 365, 730
Return of Premiums is available: 50% every 8 years (rate of return 10.20%)
Cons:
Ability to switch between partial and residiual disability is limited with 1 time
In case of partial disability you receive 50% of your monthly benefit for 24 months and 25% for the remainder which is lower than some other providers offer
Canada Life Lifestyle Protection: Coverage
Get your free quote
Get your free quote
Get your free quote
Get your free quote
Get your free quote
Disability Insurance Quote
Monthly
benefits:
Occupation:
Location:
Male: Female:
Name:
Phone:
Smoker: Non-smoker:
Birth
Date:
Month
Year
First and Last name
Phone
Email (optional)
Comment (optional)
Email:
Comment:
Get your free quote
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
New form:
Email subject: LSM Insurance Lead – DI from Canada Life – Lifestyle Protection:
The full disability benefits depend on your income e.g. for a pre-tax annual income of $30,000 your maximum monthly benefit could be around $1,850 representing ~74% of your income.
For a pre-tax income of $110,000, your benefit can be around $5,500 (~60% of your income).
Please note these numbers are approximate and can be different for your particular situation.
It is also important to know that disability benefits are typically not stackable meaning that if you qualify for another disability benefit e.g. under your group coverage, your individual disability benefit will be reduced accordingly.
In case of Partial Disability (based on time able to work) you receive 50% of your monthly benefit for the first 24 months and 25% for the remainder.
Canada Life Disability Insurance quote for “Lifestyle Protection”:
Male 25 years old
Non-smoker
Occupation class 3A (Most “white collar” workers (office, clerical or light sales work); no manual duties.
Income: $50,000
Elimination period: 90 days
Benefit period: to age 65
Benefit amount Non-Taxable: $2,975
Includes cost of living adjustment benefit
Insurance rate: $72.31 / month
Click scrolls up to the quoting widget
Keyword:
canada life disability insurance (50)
TITLE: Canada Life Disability Insurance – Lifestyle Protection| Expert review
URL: /canada-life-disability-insurance-lifestyle-protection
DESCRIPTION: Our insurance experts review, evaluate and explain Canada Life Disability Insurance – Lifestyle Protection and how it compares to other disability products.
https://lsminsurance.ca/canadian/disability-insurance
https://lsminsurance.ca/canadian/disability-insurance
No link for now – take the link out
No link for now – take the link out
No link for now – take the link out

Manulife Disability Insurance – Manulife Venture: How does it work: Manulife Disability Insurance – Manulife Venture: product details, reviews, quote examples
Who is covered by Manulife Disability Insurance – Manulife Venture:
Similar to other disability insurance products, Manulife Disability Insurance, Manulife Venture, provides insurance coverage in the form of regular monthly payments, should you become disabled and not be able to perform your job duties either temporarily or permanently. In some cases, you might be able to perform a part of your duties – in this case you may qualify for either residual disability or partial disability benefits.
We have put together useful information about Manulife Disability Insurance, Manulife Venture, based on existing policies (note that this data can change without notice).
Contact us to get access to the most updated disability insurance information.
Manulife Disability Insurance – Manulife Venture: reviews
Lorne Marr
Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla-
Richard Parkinson
Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla- Bla-bla-bla-Bla-bla-bla-
Manulife Disability Insurance Venture: Important to know
Manulife offers a unique occupation class called 4S for select professions and select business executives/white collar employees with limited sales duties who qualify for the upgrade.
This product is the best choice for lower risk jobs. It has a number of beneficial features if you qualify for this class.
To be added as WP comments
To be added as hardcoded
When selling disability insurance products, insurance companies look very carefully at your job and the likelihood of you being injured while doing your job. Some jobs are more dangerous than others, so insurers divide all possible occupations into insurance classes and often insure just a subset of them. An overview below shows what insurance classes this particular insurance product covers. Don’t worry! If your occupation class is not covered, you still can qualify either for disability insurance products from other providers or for simplified issue disability insurance or guaranteed issue disability insurance products. Check the overview below to find out more.
Class
Job description
Covered by this product?
Class 4A
Specific professions listed in the schedule and select business executives / white collar employees (with limited sales duties) who qualify.
✔ covered
Class 3A
Most “white collar” workers (office, clerical or light sales work); no manual duties.
✔ covered
Class 2A
Skilled specialized workers who do not qualify for 3A. Duties are limited to sales, supervision and providing services. Farm owners (with minimum 20% ownership) are Class 2A Venture Series.
✔ covered
Class A
Skilled manual workers in the lighter trades and industries and some unskilled workers where duties are light and working conditions are favourable. To qualify, there must be no hazards from heat, chemicals, explosives, or heavy equipment/machinery. Does not include occupations where job stability may be a concern (e.g., fitness and beauty industries).
✔ covered
Class B
All remaining insurable occupations, mainly those requiring heavy physical exertion such as unskilled or manual labourers, drivers of vehicles and jobs with significant accident risk. Also includes some occupations with light duties but where job stability may be of some concern (e.g. fitness and beauty industries.).
Uninsurable occupations
Some occupations are uninsurable due to unusual physical hazards (e.g., workers handling explosives) or because of a high degree of job instability (e.g., actors, writers, taxi drivers, etc.).
✔ covered
not covered
(You can apply for a guaranteed issue product)
Manulife Venture: Pros and Cons
Pros:
Covers more job / occupation categories than most other providers including class A and class B jobs (see above)
Covers own occupations for classes 4S and 4A
Wide choice of elimination periods (i.e. time in days after which you can start getting insurance payments): 30, 60, 90, 120, 730
Return of Premiums is available: 50% every 8 years (rate of return 10.20%)
Cons:
Ability to switch between partial and residual disability is limited with 1 time
In case of partial disability you receive partial disability payment for 1 year
Manulife Venture: Coverage
Get your free quote
Get your free quote
Get your free quote
Get your free quote
Get your free quote
Disability Insurance Quote
Monthly
benefits:
Occupation:
Location:
Male: Female:
Name:
Phone:
Smoker: Non-smoker:
Birth
Date:
Month
Year
First and Last name
Phone
Email (optional)
Comment (optional)
Email:
Comment:
Get your free quote
Class 4S
Select professions and select business executives / white collar employees with limited sales duties who qualify for the upgrade.
✔ covered
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
Click scrolls up to the quoting widget
The full disability benefits depend on your income e.g. for a pre-tax annual income of $50,000 your maximum monthly benefit could be around $2,875 representing ~68% of your income.
For a pre-tax income of $160,000, your benefit can be around $7,320 (~55% of your income).
Please note these numbers are approximate and can be different for your particular situation.
It is also important to know that disability benefits are typically not stackable meaning that if you qualify for another disability benefit e.g. under your group coverage, your individual disability benefit will be reduced accordingly.
Manulife Disability Insurance quote for “Manulife Venture”:
Male 25 years old
Non-smoker
Occupation class 3A (Most “white collar” workers (office, clerical or light sales work); no manual duties.
Income: $50,000
Elimination period: 90 days
Benefit period: to age 65
Benefit amount Non-Taxable: $2,850
Insurance rate: $53.79 / month
Keyword:
manulife disability insurance (150)
TITLE: Manulife Disability Insurance – Venture | Expert review
URL: /manulife-disability-insurance-venture
DESCRIPTION: Our insurance experts review, evaluate and explain Manulife Disability Insurance – Venture and how it compares to other disability products.
https://lsminsurance.ca/canadian/disability-insurance
https://lsminsurance.ca/canadian/disability-insurance
No link for now – take the link out