Wealth Defence · Living Benefits
Protect the person the whole plan depends on: you.
$0
income if you can’t work — without coverage
Tax-free
critical illness lump sum on a claim
You
the person the whole plan depends on
The Problem
If you couldn't work tomorrow, what happens to everything you've built?
For an owner or professional, your ability to work is the engine. If a serious illness or injury sidelined you, the income would stop — but the obligations wouldn’t. Payroll, loans, your lifestyle, your family.
The common gap: coverage built for an employee, not for an owner whose income, business, and wealth all depend on them.
“Most planning protects against death and stops there. Your health is the one risk no strategy can ignore.”
Two Forms of Protection
Coverage that pays you — while you're alive and need it.
Disability Insurance · DI
Replaces income
Replaces a meaningful share of your income if you can’t work due to illness or injury — so your household and obligations keep running while you recover. Coverage for high earners can go well beyond standard group caps.
Critical Illness · CI
Tax-free lump sum
Pays a tax-free lump sum if you’re diagnosed with a covered serious condition — so you can focus on recovery, not cash flow. Some policies also let unused premiums come back to you if you never claim.
Coverage details, definitions, and amounts vary by policy and provider. We tailor the structure to your situation.
Why It Matters Now
The risk most plans leave wide open.
For most people in their working years, a serious illness or disability is a real possibility — yet it’s the gap most plans overlook. Closing it is one of the simplest, highest-value moves you can make.
These benefits do their job during your lifetime.
Living benefits keep your income flowing and your business intact at the moment your health doesn’t hold — so a difficult season doesn’t undo years of building.
The relative likelihood of illness or disability versus death before age 65 varies by age, occupation, and source. We can walk you through the figures most relevant to your situation rather than relying on a single headline statistic.
What a Plan Does
Coverage built for an owner, not an employee.
Protect your income
Replace earnings if you can’t work — at levels that reflect what you actually earn.
Protect your business
Keep the company running and key people in place through a health crisis.
Get cash when it counts
A tax-free critical illness lump sum gives you breathing room exactly when you need it.
Structure it efficiently
For incorporated clients, these can often be arranged through the corporation — coordinated with your team.
Start the Conversation
Find out what your gaps are costing you.
More Areas of Focus
Estate Planning
Corporate Insurance
Living Benefits
Charity
