The Canadian Bar Insurance Association: Site Map

Home Page

About CBIA

Introduction

CBIA Mission Statement

CBIA Board of Directors

Management

The CBIA Difference

Annual Report

Announcements

2011 Premium Refund for Business Expense, Disability Income, and Term Life Insurance - Oct.2011

Pre-Authorized Cheque plan (PAC) now available for Bar Group Plans - Aug.2011

In the Event of a Postal Disruption - Jun.2011

2009 Business Expense Return of Premium - Nov.2010

CBIA Term Life just got better with the Automatic Increase Benefit (AIB) - Mar.2010

2008 Term Life and Business Expense Return of Premiums - Sep.2009

Business Expense Disability - Sep.2009

2007 Term Life Return of Premiums - Sep.2008

Expanded Eligibility Requirements - Sep.2008

Education Centre

Introduction

A Guide to Disability Insurance

Introduction
What are the odds I’ll ever become disabled?
I have a nice safe desk job...
How does my risk of being disabled compare with the other risks I’ve insured against?
If the risk is really that great, why don’t I know any disabled people?
If I become disabled, I could get by on my savings, assets and government benefits.
Economic Death
How does disability insurance help?
Are there different kinds of disability insurance?
The Definition of Disability
What are my choices for long term disability insurance?
What else should I know about these plans before I buy?
Benefits and Riders
Conclusion

A Guide to Life Insurance

Introduction
Who needs life insurance?
When should you buy life insurance?
Is there more than one kind of life insurance?
Insurance Risks
Additional Benefits
Conclusion

A Guide to Mortgage Insurance

Introduction
Underwriting
Portability
Control
Cost
Other Considerations
Conclusion

A Guide to Employer Provided Insurance Benefits

Introduction
Advantages of group insurance
Disadvantages of group insurance
Advantages of personally owned insurance when compared to group insurance
Disadvantages of personally owned insurance when compared to group insurance
What if you don't have employer provided insurance benefits?

If You Have Children

The cost of raising a child
How does insurance protect against these expenses?
What about a Registered Education Savings Plan (RESP)?
Conclusion

To Sit Or Not To Sit

Is Your Practice Catastrophe-Proof?

Insurance Planning Tools - Calculators

Disability Needs
College Savings
Home Budget
Life Insurance
Life Expectancy
Retirement Planning
RRSP Loan
Term Life Premium Calculator

Podcasts

Blogs

Who’s insuring your insurance? - Sep.2011
If a disability prevents you from working, what happens to your business? - Aug.2011
Insurance purchases most people should avoid - Jun.2011
6 myths (or excuses) why people don’t buy enough life insurance - Mar.2011
Great investments and fancy yachts... it must be RRSP season again! - Jan.2011
Things you should know about employee LTD plans - Dec.2010
Mortgage Life Insurance: 3 things you need to know - Oct.2010
The real risk of economic death - Aug.2010
Five things everyone should know about employee insurance benefits - Jun.2010

Insurance Plans

Term Life

Introduction
Eligibility
Coverage Amounts Available
Automatic Increase Benefit (AIB)
Built-in Waiver of Premium Benefit
Volume Discounts for Larger Purchases
Preferred Rates for Above Average Health
5 Year Age Banded Rates
Shared Sucess
Stability of our Rates
Guaranteed Coverage
Flexibility to Change as Your Needs Change
Critical Illness Rider
Children's Insurance Rider
Compare Our Rates with Other Providers
Calculate Your Annual Premium
Disclaimers
Download PDF

Permanent Life

Introduction
Eligibility
Coverage Amounts
Premiums
Cash Surrender Value
Joint, Last to Die Protection
Waiver of Premium
Waiver of Premium on Joint, Last-to-Die Coverage
Download PDF

Accident

Introduction
Great Low Rates
Coverage for Accidental Injuries
Eligibility
Amount of Coverage Available
Termination Age
Indemnity for Specific Loss from Accident
Repatriation Benefit
Waiver of Premium
Beneficiary Appointment
Exclusions
Premiums
Download PDF

Critical Illness Rider

Introduction
Eligibility
Coverage Amounts
Covered Conditions
Life Threatening Cancer
Built-in Waiver of Premium Benefit
Five Year Age Banded Rates
Shared Success
Stability of our Rates
Guaranteed Coverage
Download PDF

Disability Income Insurance Plan

Introduction
Eligibility
Coverage Amounts Available
Choose Your Retirement Age
Definition of Total Disability
Benefits for Partial and Residual Disabilities
Stability of our Rates
Shared Success
Guaranteed Coverage
Cost of Living Adjustments (COLA)
Future Increase Option (FIO)
Own Occupation Rider
Return of Premium Rider (ROP)
Download PDF

Business Expense Disability Insurance

Introduction
Eligibility
Coverage Amounts Available
Level or Age-banded Rates
Choose Your Retirement Age
Definition of Total Disability
Built-in No Added Cost Benefits
Coverage for Employed Lawyers
Tax Deductible Premiums
Stability of our Rates
Guaranteed Coverage
Download PDF

Bar Group Insurance Plan

Introduction
Eligibility
Flexibility of Benefit Design
Benefits Available
Life Insurance and Accidental Death and Dismemberment
Long-term Disability (LTD)
Extended Health Care (EHC)
Dental Care
Stability of Rates
Big Firm Benefits Unique to Bar Group
Forms
Download PDF

Individual Extended Health Care

Introduction

HealthProtect Plus
HealthProtect
HealthProtect Retiree
Eligibility
Age Banded Rates
Shared Success
Stability
Claims

Download PDF

CBA Financial Services (CBAF)

Travel Medical

Introduction
Eligibility
Coverage
Premiums
Effective Date of Coverage
Renewal of Coverage
24/7 Coverage While Travelling
Maximums
Extension of Coverage
Exclusions and Limitations
Shared Success
Stability of our Rates
Download PDF

Home and Auto

Introduction
FAQs
About The Personal
TD Meloche Monnex Consent Form
Contest Rules

Outside Directorship Liability Insurance

Introduction

PDF Reference
– To Sit Or Not To Sit
– A Lawyer's Roadmap
– Sample ODL Policy Wording
– Sample ODL Application

Service & Information

Service Request

Information Request

Information

Product Brochures & Articles
Client Newsletter
Privacy Policy

Feedback

FAQ

Billing/Payment Inquiries
Product/Coverage Inquiries
Bar Group Inquiries
Automatic Increase Benefit Inquiries

Links

CBA Financial
Canadian Bar Association
Ontario Bar Association
Legal Profession Assistance Conference
Federation of Law Societies
Canadian Life and Health Insurance Association
Medical Information Bureau
Other Links
Submit a Link

Forms

Pre-Authorized Payment Plan
HealthProtect Health Care Claim Form
HealthProtect Dental Claim Form
HealthProtect Retiree Health Care Claim Form
HealthProtect Retiree Dental Claim Form
Bar Group Pre-Authorized Payment Plan
Bar Group Application for Enrolment
Bar Group Policyholder’s Request for Change
Bar Group Request for Designation or Change of Beneficiary(ies) or Trustee
Bar Group Evidence of Insurability
Bar Group Member’s Change Request
Bar Group Claim for Dental Care Expenses
Bar Group Claim for Health Care Benefits
Bar Group Request for Conversion
Bar Group Request for Cost Plus Reimbursement

Local Agent

Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland and Labrador
Northwest Territories
Nova Scotia
Nunavut
Ontario
Prince Edward Island
Québec
Saskatchewan
Yukon

Head Office

Management

French Site