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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

Insurance Planning Tools - Calculators

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

Is Your Practice Catastrophe-Proof?

Insurance Plans

Term Life

Introduction
Great Low Rates
Level Coverage to Age 80
Continued Good Health Feature
Preferred Rates
Built-in Waiver of Premium Benefit
Level Conversion at Age 56 Option
Flexible Amounts of Protection
Five Year Age Banded Rates
Guaranteed Coverage
Critical Illness Rider
Lower Rates for Larger Amounts of Coverage
Insured Age Calculation Savings
Special Offer to Law Student Members of the CBA
Low Cost Children's Insurance Rider
Eligibility
Rates
Download PDF

Permanent Life

Introduction
Eligibility
Coverage Available
Premiums
Cash Surrender Values
Waiver of Premium
Joint, Last to Die Coverage
Assignment of Proceeds
Exclusion
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
Great Low Rates
Lump Sum Payment
Survival Period
Life Threatening Cancer
Eligibility
Illnesses Covered
Amount of Coverage Available
Waiver of Premium
Assignment of Benefits
Five Year Age Banded Rates
Guaranteed Coverage
Rate Applicable
Download PDF

Disability Income

Introduction
Great Low Rates
Total Disability Coverage
Presumptive Disability
Flexible Coverage to Age 65 or 71
Flexible Elimination Periods
Accumulation of Elimination Period Days
Cost of Living Adjustments (COLA)
Residual Disability Benefits for Partial Disabilities
Built-in Waiver of Premium Benefit
Optional Enhancements to Your Protection
Amounts of Protection Available
Five Year Age Banded Rates
Guaranteed Continuation of Coverage
Eligibility
Rates
10/10 Rate Guarantee Option
Download PDF

Business Expense Disability

Introduction
Great Low Rates
Own Occupation Coverage for Lawyers
Tax Deductible Premiums
Flexible Amounts of Protection Available
14 Day Elimination Period
Benefits Payable While Disabled
Recurrence of the Same Disability
Death Benefit
Coverage to Age 71
Inflation Protection
Coverage for Employed Lawyers
Built-in Waiver of Premium Benefit
Five Year Age Banded Rates
Guaranteed Coverage
Eligibility
Rates
Download PDF

Employee Benefits

Individual Extended Health Care

Introduction

Plan Features
– Great Low Rates
– Eligibility
– Coverage Available
– Deductibles
– Reimbursement Rates
– Tax Advantage
– Underwritten Benefits
– Lifetime Maximum

Prescription Drug Coverage

Private Hospital Room Coverage

Major Services
– Convalescent Hospital
– Ambulance
– Nursing Care
– Durable Medical Equipment, Supplies and Miscellaneous Services
– Hearing Care
– Foot Care
– Dental Accident
– Health Practitioners

Out of Province Coverage
– Emergency Care Within Canada
– Referrals
– Comprehensive Out-of-Country Medical Coverage

Optional Dental Coverage
– Eligibility
– Deductibles and Maximums
– Basic Dental Services
– Major Dental Services

"The Fine Print"
– Exclusions and Limitations
– Five Year Age Banded Rates

Download PDF

Retiree Health & Dental

Retirement Savings Plan

Travel Medical

Introduction
Great Low Rates
24/7 Coverage While Travelling
Individual or Family Coverage
Renewal of Coverage
Medical Expenses as Specified in the Policy
When Coverage is Effective
Extension of Coverage
Exclusions and Limitations
Premiums
Transportation Costs as Specified in the Policy
Cash Benefit While Hospitalized
Emergency Assistance
Eligibility
Rates
Download PDF

Home and Auto

Office Contents

Outside Directorship Liability Insurance

Introduction

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

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