{"id":30,"date":"2023-10-16T21:34:49","date_gmt":"2023-10-16T21:34:49","guid":{"rendered":"https:\/\/askpatwales.com\/?page_id=30"},"modified":"2025-03-07T03:38:25","modified_gmt":"2025-03-07T03:38:25","slug":"home","status":"publish","type":"page","link":"https:\/\/askpatwales.com\/","title":{"rendered":"Ask Pat Wales"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.22.2&#8243; use_background_color_gradient=&#8221;on&#8221; background_color_gradient_stops=&#8221;rgba(18,52,101,0.1) 0%|rgba(18,52,101,0.33) 100%&#8221; background_color_gradient_overlays_image=&#8221;on&#8221; background_color_gradient_start=&#8221;rgba(18,52,101,0.87)&#8221; background_color_gradient_end=&#8221;rgba(18,52,101,0.9)&#8221; background_image=&#8221;https:\/\/askpatwales.com\/wp-content\/uploads\/2023\/10\/simon-maage-tXiMrX3Gc-g-unsplash-scaled.jpg&#8221; width=&#8221;100%&#8221; custom_margin=&#8221;||||false|true&#8221; custom_margin_tablet=&#8221;0px|0px||0px|false|false&#8221; custom_margin_phone=&#8221;0px|0px||0px|false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;10.8%||10.8%||true|false&#8221; custom_padding_tablet=&#8221;15%||15%||true|false&#8221; custom_padding_phone=&#8221;22%||22%||true|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;top&#8221; box_shadow_style=&#8221;preset3&#8243; box_shadow_vertical=&#8221;54px&#8221; box_shadow_blur=&#8221;75px&#8221; box_shadow_color=&#8221;rgba(73,73,73,0.3)&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.22.2&#8243; width=&#8221;100%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;1170px&#8221; max_width_tablet=&#8221;90%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_color=&#8221;#ffffff&#8221; header_font_size=&#8221;70px&#8221; header_line_height=&#8221;1.5em&#8221; header_3_font=&#8221;Roboto Condensed||||||||&#8221; header_3_text_color=&#8221;#F7F7F8&#8243; header_3_font_size=&#8221;29px&#8221; header_3_letter_spacing=&#8221;2px&#8221; header_3_line_height=&#8221;3em&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; animation_direction=&#8221;bottom&#8221; header_font_size_tablet=&#8221;50px&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; text_text_shadow_style=&#8221;preset2&#8243; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1 style=\"text-align: center;\">Protecting Your Greatest Asset &#8211;<\/h1>\n<h1 style=\"text-align: center;\">YOURSELF!<\/h1>\n<h3 style=\"text-align: center;\">Giving yourself peace of mind in the event of an accident or sickness!<\/h3>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;||||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Why look at this?<br \/>Because the unexpected can and does happen!<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.22.2&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;1170px&#8221; max_width_tablet=&#8221;90%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.22.2&#8243; animation_style=&#8221;fold&#8221; animation_direction=&#8221;right&#8221; animation_duration=&#8221;800ms&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; module_alignment=&#8221;center&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;1px|33px|||false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Have you ever been off work due to sickness or injury?\u00a0 I have \u2013 once for an injury and once for a sickness.\u00a0 Each time lasted 6 months.\u00a0 It was devastating to my career and finances, and almost put me into bankruptcy.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; module_alignment=&#8221;center&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;1px|33px|||false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>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!<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#273248&#8243; header_font_size=&#8221;38px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;||||false|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;|33px||41px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;|0px||41px|false|false&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4 style=\"text-align: right;\"><strong>LIVING BENEFITS SPECIALIST<\/strong><\/h4>\n<p><strong><\/strong><\/p>\n<h1 style=\"text-align: right;\">Pat Wales<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.22.2&#8243; animation_style=&#8221;fold&#8221; animation_direction=&#8221;left&#8221; 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make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.22.2&#8243; background_color=&#8221;#055CB4&#8243; width=&#8221;90%&#8221; max_width=&#8221;1170px&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;70px|70px|70px|70px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|true|true&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#F7F7F8&#8243; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;-1px||||false|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;||||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Points to consider<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#F7F7F8&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#F7F7F8&#8243; module_alignment=&#8221;center&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;1px|33px|||false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Would you receive a paycheque if you became sick or were injured and couldn\u2019t work?<\/li>\n<li>Could you take the time off that you would need to care for a sick or injured child?<\/li>\n<li>Would your current health insurance cover all of the extra costs if you or your child became sick or were injured?<\/li>\n<\/ul>\n<p>A NO answer to one or more of these questions indicates you and your finances are vulnerable.<\/p>\n<p>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<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; module_id=&#8221;features&#8221; _builder_version=&#8221;4.22.2&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;90%&#8221; max_width=&#8221;1170px&#8221; custom_margin=&#8221;0px|auto||auto|false|false&#8221; custom_padding=&#8221;70px|70px|70px|70px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|true|true&#8221; animation_direction=&#8221;bottom&#8221; border_color_right=&#8221;#273248&#8243; border_width_bottom=&#8221;1px&#8221; border_color_bottom=&#8221;#273248&#8243; border_color_left=&#8221;#273248&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#273248&#8243; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;|66px|||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Coverage from Day 1 with no waiting period<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#F7F7F8&#8243; module_alignment=&#8221;center&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px|55px|||false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Our Supplemental Accident &amp; Sickness coverage provides benefits as a cushion to support you should the unexpected happen. Our policies provide:<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#273248&#8243; module_alignment=&#8221;center&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;|33px|||false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; custom_css_main_element=&#8221;display: flex;&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Benefits from DAY 1 of injury or illness<\/li>\n<li>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)<\/li>\n<li>Benefits paid directly to you, tax-free, in addition to any other insurance coverage (WCB, EI, group or spousal benefits)<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.22.2&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;90%&#8221; max_width=&#8221;1170px&#8221; custom_margin=&#8221;0px|auto||auto|false|false&#8221; custom_padding=&#8221;70px|70px|70px|70px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|true|true&#8221; animation_direction=&#8221;bottom&#8221; border_color_right=&#8221;RGBA(255,255,255,0)&#8221; border_width_bottom=&#8221;1px&#8221; border_color_bottom=&#8221;#273248&#8243; border_color_left=&#8221;RGBA(255,255,255,0)&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#273248&#8243; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;|80px|||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Any activity. <br \/>Any time. Anywhere.<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#F7F7F8&#8243; module_alignment=&#8221;center&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;||||false|true&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; custom_css_main_element=&#8221;display: flex;&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><strong>24 \/ 7 \/365 <\/strong>coverage<\/li>\n<li>At <strong>WORK<\/strong>, at <strong>PLAY<\/strong>, at <strong>HOME<\/strong><\/li>\n<li>Any Occupation. Any Sport. Any Activity<\/li>\n<li>Coverage stays with you whatever you do<\/li>\n<li>Covers you in Canada &amp; the United States<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; use_custom_gutter=&#8221;on&#8221; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.22.2&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;90%&#8221; max_width=&#8221;1170px&#8221; custom_margin=&#8221;0px|auto||auto|false|false&#8221; custom_padding=&#8221;70px|70px|70px|70px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|true|true&#8221; animation_direction=&#8221;bottom&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#273248&#8243; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;||||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><strong>Plans for <br \/>everyone.<\/strong><\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#273248&#8243; module_alignment=&#8221;center&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px||||false|true&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; custom_css_main_element=&#8221;display: flex;&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Individuals and family members<\/li>\n<li>Self-employed, employees, contractors, tradespeople, professionals<\/li>\n<li>Family plans provide significant discounts<\/li>\n<li>Children, students, unemployed, permanent residents and the retired<\/li>\n<li>Plans cover people to age 85 and 2 even cover for a lifetime<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; use_custom_gutter=&#8221;on&#8221; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.22.2&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;90%&#8221; max_width=&#8221;1170px&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;70px|70px|70px|70px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|true|true&#8221; animation_direction=&#8221;bottom&#8221; border_width_top=&#8221;1px&#8221; border_color_top=&#8221;#273248&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#273248&#8243; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;|80px|||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Eligibility is straightforward.<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#F7F7F8&#8243; module_alignment=&#8221;center&#8221; custom_margin=&#8221;2px||2px||true|&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px||||false|true&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Everyone is eligible for our Accident plans<\/li>\n<li>Eligibility for our Sickness \/ Illness coverage is based on a simple health survey. No complicated medical exams<\/li>\n<li>No income verification needed on basic plans<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; use_custom_gutter=&#8221;on&#8221; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.22.2&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;90%&#8221; max_width=&#8221;1170px&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;70px|70px|70px|70px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|true|true&#8221; animation_direction=&#8221;bottom&#8221; border_width_top=&#8221;1px&#8221; border_color_top=&#8221;#273248&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#273248&#8243; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;|80px|||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><strong>Premiums <br \/>do not change.<\/strong><\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.25.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#F7F7F8&#8243; module_alignment=&#8221;center&#8221; custom_margin=&#8221;2px||2px||true|&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px||||false|true&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>No premium increase due to the amount you claim<\/li>\n<li>Unlimited number of claims<\/li>\n<li>Policy stays in place when claims made<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; use_custom_gutter=&#8221;on&#8221; make_equal=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.22.2&#8243; background_color=&#8221;RGBA(255,255,255,0)&#8221; width=&#8221;90%&#8221; max_width=&#8221;1170px&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;70px|70px|70px|70px|true|true&#8221; custom_padding_tablet=&#8221;50px|50px|50px|50px|true|true&#8221; custom_padding_phone=&#8221;40px|40px|40px|40px|true|true&#8221; animation_direction=&#8221;bottom&#8221; border_width_top=&#8221;1px&#8221; border_color_top=&#8221;#273248&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#273248&#8243; header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;|80px|||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><strong>Option to receive <br \/><\/strong><strong>all your premiums back.<\/strong><\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#F7F7F8&#8243; module_alignment=&#8221;center&#8221; custom_margin=&#8221;2px||2px||true|&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px||||false|true&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Return of Premium option on 3 plans\u00a0<\/li>\n<li>Receive premiums back after 20 years in a tax-free, lump sum<\/li>\n<li>What could you do with a payback like that?<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;3_5,2_5&#8243; use_custom_gutter=&#8221;on&#8221; 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header_font_size=&#8221;48px&#8221; header_line_height=&#8221;1.1em&#8221; custom_margin=&#8221;auto||auto||true|false&#8221; custom_margin_tablet=&#8221;35px||||false|false&#8221; custom_margin_phone=&#8221;35px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;|80px|||false|false&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;30px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Plans are supplemental to any other coverage.<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; custom_css_main_element=&#8221;display: flex;&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#273248&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_text_color=&#8221;#F7F7F8&#8243; module_alignment=&#8221;center&#8221; custom_margin=&#8221;2px||2px||true|&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-15px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;0px||||false|true&#8221; custom_padding_tablet=&#8221;|0px||0px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|tablet&#8221; text_text_align=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Benefits paid in addition to any other coverage<\/li>\n<li>Plans can be chosen to fill gaps in any other coverage (WCB, EI, group or spousal benefits)<\/li>\n<li>May cover accidents or sickness that other plans do not<\/li>\n<li>Plans can be combined to best fit you and your family\u2019s needs, budget and circumstances<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_id=&#8221;why&#8221; _builder_version=&#8221;4.22.2&#8243; custom_margin=&#8221;80px||||false|false&#8221; custom_margin_tablet=&#8221;0px||||false|false&#8221; custom_margin_phone=&#8221;0px||||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;2&#8243; make_equal=&#8221;on&#8221; _builder_version=&#8221;4.22.2&#8243; width=&#8221;90%&#8221; width_tablet=&#8221;90%&#8221; width_phone=&#8221;90%&#8221; width_last_edited=&#8221;on|tablet&#8221; max_width=&#8221;1170px&#8221; max_width_tablet=&#8221;90%&#8221; max_width_phone=&#8221;90%&#8221; max_width_last_edited=&#8221;on|phone&#8221; custom_margin=&#8221;0px||0px||false|false&#8221; custom_padding=&#8221;5px|0px||0px|false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.22.2&#8243; 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header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Action Plan. Let\u2019s talk.<\/h1>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#F7F7F8&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; text_orientation=&#8221;center&#8221; width=&#8221;95%&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;|-18px|50px|-18px|false|true&#8221; custom_margin_tablet=&#8221;-15px||||false|false&#8221; custom_margin_phone=&#8221;-20px||||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;6px||||false|false&#8221; text_text_align=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: left;\">As everyone\u2019s situation is specific to them, a personal discussion is essential to understand your unique needs and look at possible options.<br \/>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.<br \/>Here are the ways that we can be in touch to have a chat and find out what this is all about.<br \/>I look forward to speaking with you.<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.22.2&#8243; text_font=&#8221;Roboto Condensed||||||||&#8221; text_text_color=&#8221;#F7F7F8&#8243; text_font_size=&#8221;20px&#8221; text_line_height=&#8221;1.8em&#8221; header_font=&#8221;Roboto Condensed|700|||||||&#8221; header_text_color=&#8221;#F7F7F8&#8243; header_font_size=&#8221;46px&#8221; header_line_height=&#8221;1.3em&#8221; custom_margin=&#8221;||-16px|||&#8221; header_font_size_tablet=&#8221;&#8221; header_font_size_phone=&#8221;25px&#8221; header_font_size_last_edited=&#8221;on|desktop&#8221; text_text_shadow_style=&#8221;preset1&#8243; text_text_shadow_color=&#8221;rgba(0,0,0,0.77)&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>Pat Wales\u00a0<\/h1>\n<p><strong>Accident &amp; Sickness Insurance Agent<br \/><\/strong><strong>Licensed in BC, Alberta, Saskatchewan &amp; Ontario <\/strong><\/p>\n<p>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner column_structure=&#8221;1_2,1_2&#8243; _builder_version=&#8221;4.22.2&#8243; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column_inner type=&#8221;1_2&#8243; saved_specialty_column_type=&#8221;2_3&#8243; _builder_version=&#8221;4.22.2&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; parallax__hover=&#8221;off&#8221; parallax_method__hover=&#8221;on&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_blurb title=&#8221;BY PHONE OR TEXT&#8221; image_icon_width=&#8221;50px&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#F7F7F8&#8243; header_font_size=&#8221;22px&#8221; 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image_icon_width=&#8221;50px&#8221; content_max_width=&#8221;100%&#8221; _builder_version=&#8221;4.22.2&#8243; header_font=&#8221;Roboto Condensed|600|||||||&#8221; header_text_align=&#8221;left&#8221; header_text_color=&#8221;#F7F7F8&#8243; header_font_size=&#8221;22px&#8221; header_line_height=&#8221;1.2em&#8221; body_font=&#8221;Roboto Condensed|700|||||||&#8221; body_text_align=&#8221;left&#8221; body_text_color=&#8221;#F7F7F8&#8243; body_font_size=&#8221;20px&#8221; body_line_height=&#8221;1.8em&#8221; animation=&#8221;off&#8221; link_option_url=&#8221;mailto:info@askpatwales.com&#8221; header_text_shadow_style=&#8221;preset1&#8243; header_text_shadow_color=&#8221;rgba(8,7,1,0.71)&#8221; body_text_shadow_style=&#8221;preset1&#8243; body_text_shadow_color=&#8221;rgba(8,7,1,0.71)&#8221; icon_font_size=&#8221;50px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>info@askpatwales.com<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column_inner][\/et_pb_row_inner][et_pb_row_inner 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