Protecting Your Greatest Asset –
YOURSELF!
Giving yourself peace of mind in the event of an accident or sickness!
Why look at this?
Because the unexpected can and does happen!
Have you ever been off work due to sickness or injury? I have – once for an injury and once for a sickness. Each time lasted 6 months. It was devastating to my career and finances, and almost put me into bankruptcy.
I did not want others to be in a similar financially stressed position, and so l decided to provide the Living Benefits services I truly wish l had known about long ago!
LIVING BENEFITS SPECIALIST
Pat Wales
Points to consider
- Would you receive a paycheque if you became sick or were injured and couldn’t work?
- Could you take the time off that you would need to care for a sick or injured child?
- Would your current health insurance cover all of the extra costs if you or your child became sick or were injured?
A NO answer to one or more of these questions indicates you and your finances are vulnerable.
Fact: Almost 1/3 of people now aged 35 will be unable to work for at least 6 months before reaching age 65. Industry Canada
Coverage from Day 1 with no waiting period
Our Supplemental Accident & Sickness coverage provides benefits as a cushion to support you should the unexpected happen. Our policies provide:
- Benefits from DAY 1 of injury or illness
- No waiting periods before your coverage begins. (30,60,90 even 120 day waiting periods with other plans mean no benefits are paid for that time)
- Benefits paid directly to you, tax-free, in addition to any other insurance coverage (WCB, EI, group or spousal benefits)
Any activity.
Any time. Anywhere.
- 24 / 7 /365 coverage
- At WORK, at PLAY, at HOME
- Any Occupation. Any Sport. Any Activity
- Coverage stays with you whatever you do
- Covers you in Canada & the United States
Plans for
everyone.
- Individuals and family members
- Self-employed, employees, contractors, tradespeople, professionals
- Family plans provide significant discounts
- Children, students, unemployed, permanent residents and the retired
- Plans cover people to age 85 and 2 even cover for a lifetime
Eligibility is straightforward.
- Everyone is eligible for our Accident plans
- Eligibility for our Sickness / Illness coverage is based on a simple health survey. No complicated medical exams
- No income verification needed on basic plans
Premiums
do not change.
- No premium increase due to the amount you claim
- Unlimited number of claims
- Policy stays in place when claims made
Option to receive
all your premiums back.
- Return of Premium option on 3 plans
- Receive premiums back after 20 years in a tax-free, lump sum
- What could you do with a payback like that?
Plans are supplemental to any other coverage.
- Benefits paid in addition to any other coverage
- Plans can be chosen to fill gaps in any other coverage (WCB, EI, group or spousal benefits)
- May cover accidents or sickness that other plans do not
- Plans can be combined to best fit you and your family’s needs, budget and circumstances
Why Choose us?
We are a financially stable, 100-year-old company whose motto is "We Pay Claims!"
To summarize, we offer a range of plans that can be tailored to suit your preferences, finances and circumstances for both individuals and families. Whether you work for yourself or someone else, are a student or retired, we have policies for you. From newborn to age 85, we can cover any occupation, sport, hobby or activity at any time – on or off work.
Our application process is easy! Everyone is eligible for our accident or injury coverage – no matter your income, health history, pre-existing conditions, occupation or leisure activities. Our sickness eligibility is based on a simple health survey with no complicated medical exams. Benefits are paid directly to you on top of any you may receive from other sources.
There are no waiting periods or deductibles. Premiums stay the same regardless of the number or amount of claims that you make.
HEALTH PROFESSIONALS
FAMILIES
SELF EMPLOYED
BUSINESS OWNERS
TRADES
THRILL SEEKERS
Action Plan. Let’s talk.
As everyone’s situation is specific to them, a personal discussion is essential to understand your unique needs and look at possible options.
I am happy to be a resource for you, to make sure that you and your family are taken care of, should the unexpected happen. No pressure, just information.
Here are the ways that we can be in touch to have a chat and find out what this is all about.
I look forward to speaking with you.
Pat Wales (retired ND)
Accident & Sickness Insurance Agent
Licensed in BC, Alberta, Saskatchewan & Ontario
BY PHONE OR TEXT
403-620-1162