High Net Worth Insurance Working Model - SafeBridge Financial Group

How Disability Insurance Works

Disability Insurance gives you the coverage you need when you need it the most. 

Disability Insurance allows you to choose the amount you want and add optional benefits to customize your coverage. You are also able to file a claim if you become disabled. You will need to pay your monthly premium and you receive your monthly payments when the waiting period ends. The waiting period is the number of days from the date you’re disabled until the benefit start date. Your payments stop when your benefit period ends or you return to work.

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    Are You In Need of Disability Insurance?

    Did you know that up to 40% of Canadians become disabled for 90 days or longer before the age of 65! If you don’t have the proper Critical Illness policy in place, that injury or illness could be very stressful for you and your loved ones. 

    Many people think they don’t need Disability Insurance until it’s too late, but the best plan is to prepare for the future by protecting your family.

    Feel Protected With the Right Coverage

    Once you have Disability insurance, you will receive monthly payments to replace part of your paycheck each month.  The exact amount you receive is dependent on a number of factors, but rest assured the coverage will alleviate unwanted stress.

    Get the Most For Your Money

    Your policy will give you guaranteed rates for your coverage until the age of 65. This guarantee helps with budgeting and keeps your payments in line.

    Plan For The Future

    No one knows what the future will hold, but statistically many people will end up needing some type of Disability Insurance coverage, that’s why we encourage our clients to ensure they have the right protection in place for their family before it is needed.

    Why Disability Insurance is Important

    Disability Insurance is a great option to not only protect your family and loved ones from the loss of your income due to an unforeseen disability or illness, but it also can help you meet your financial obligations so you can avoid dipping into your retirement savings.

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    Importance of Disability Insurance - SafeBridge Financial Group

    Your Choice of Disability Insurance Broker

    At  SafeBridge our access to the top Life Insurance companies sets us apart.  With over 20+ years in the Life Insurance space,  our team of licensed Life Insurance professionals is qualified to help you find the best Disability Life Insurance policy that matches your financial goals. 

    Each individual client is unique and we pride ourselves in customized solutions that solve your unique challenges with regards to Disability Life Insurance. 

    When you work with SafeBridge, our team of professionals take the time to understand your situation and come up with the perfect insurance solution.  It is always in your best interest to work with a company that will not only help you get the right Life Insurance, but also ensure it is structured properly to help achieve your financial goals. As a company we help thousands of clients each year find the perfect Disability  Life Insurance products to fit their needs. Let us help you get the right protection to cover you and your loved ones when they need it the most.

    Get Started Today With SafeBridge

    Let us help you find the perfect Insurance solution for your situation. At SafeBridge we provide a complimentary 30 minute review of your existing insurance policies and take a look at your insurance needs. With access to the most trusted insurance companies in Canada we are able to help you make the best choices and feel confident that you are fully covered in the event of illness or even death. 

    With over 20 years in the Insurance Industry we are confident that our team will ensure you get the best insurance solution possible.  

    Click here to speak with a SafeBridge Insurance Professional today!

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    Our Team - SafeBridge Financial Group

    Have Questions?
    We Have the Answers

    Is Disability Insurance expensive?

    Premiums often range from 1-9% of your salary but each case is different and depends on a variety of factors. A person’s age, health conditions, occupation, coverage amount, benefit period, and waiting period all affect the cost of the Disability Insurance Premium.

    What is the difference between Disability Insurance and Critical Illness Insurance?

    The main difference between Disability Insurance and Critical Illness insurance is that Disability insurance provides a monthly income if you’re unable to work due to a serious injury or illness, while Critical Illness insurance pays out a tax-free lump sum payment following the diagnosis of one of several illnesses covered by your policy.

    Am I too young to get Disability Insurance?

    No. It is never too early to plan for your future and prepare for the unexpected.  Statistically, up to 40% of Canadians become disabled for 90 days or longer before the age of 65! If you don’t have the proper Critical Illness policy in place, that injury or illness could be very stressful for you and your loved ones.

    Double Quotes

    Over the last 20 years we’ve been successful in attracting over 60 various lenders that our clients can benefit from. SafeBridge has evolved over the years and has become a very successful company…. The education, that comes along with not just the mortgage agent side of things, but also on the insurance and the investments and the financial planning all comes together in one holistic approach.


    Double Quotes

    For several years Andre has worked in the Financial Planning and Mortgage Solutions field with Scotiabank. After experiencing success, and gaining a wide knowledge base in the banking world, he decided to leave the bank to join a Boutique Mortgage Brokerage, Safebridge Financial Group.  Andre made the change so that he could offer clients a wider variety of mortgage options and lenders.

    Andre Persaud,

    Mortgage Agent

    SafeBridge Brokers & Advisors

    Meet the Team

    At SafeBridge we believe in experiencing growth together. We want to ensure that each of our agents is successful and feels a part of the SafeBridge team. We offer customized training, lender previews, team events and even team trips to build the strong culture of inclusion and support that so many of our agents enjoy.

    We believe it is essential to hire and Partner with the right people. We are looking for the best and brightest in the Industry to join our Exclusive Group of Professionals. Our team consists of loyal top producing Agents that have demonstrated exceptional care for their clients and passion for the industry in which they serve. Our Mortgage Centered Financial Planning approach helps our team foster long lasting relationships, which brings a unique process to the mortgage business.

    SafeBridge Partners
    Trusted by the
    Biggest Names in Insurance

    SafeBridge understands your life insurance needs and will recommend the right product for you. We don’t just look at insurance, like insurance. We look at insurance as a wealth-building tool and a way to pass on generational wealth by working with the best insurers.

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