Business Solutions Insurance Solutions without Medicals
Income Replacement Insurance for Injury
- If you have a pre-existing medical condition, you are still eligible for injury/accident benefits as long as you are working
- Injury includes “wear and tear”; repetitive motion injuries and more conditions not caused by an accident.
- Accidental injuries cover 24/7/365 or coordinate with WSIB using non-occupation benefits
Business Overhead Insurance for Injury
- Based on fixed and contractual expenses of business; can include administration staff
Accidental Death and Dismemberment Insurance
- No questions.
- Includes “Loss of Use”/Paralysis benefits*
*Face Amount Limitations may apply
Guaranteed Issue Critical Illness Insurance
- Plans available regardless of pre-existing medical conditions*
*Face Amount Limitations may apply
- Plans to age 100
Life Insurance and Last Expenses
- Life Insurance regardless of current pre-existing medical conditions*
*Face Amount Limitations may apply - 2 year waiting for natural causes
- 4 times face amount for accidental death
Fracture Accident Benefit
- Lump sum payment for scheduled fractures
- No income/job requirements
- Pays in addition to any other benefit
Employee Group Health and Dental Insurance
- Guaranteed issue for companies with 3+ employees
- If one employee doesn’t qualify, the group is still eligible
- All employees can be family members
Emergency Travel Medical Insurance
- Annual policy for travel outside applicant’s province of residence
- Coverage designed specifically for the trucking industry
- Monthly plan available when Income Replacement is purchased
Disclaimer: Errors and Omissions Excepted (E&OE)
While we make every effort to ensure the accuracy of the information provided on this website, errors or omissions may occur. Final terms, coverage, and premiums are subject to underwriting approval and will be confirmed in your official policy documents. Please contact a licensed advisor to confirm details.
