Accidental Disability Insurance for Self-Employed

Living within your income is complicated. And without it?

If a long-term disability prevented you from making a living, for how long you and your family could survive without your regular income?

What is Accidental Disability Insurance?

It is a straightforward, affordable and easy to purchase plan that can help protect your income if you become injured or ill. It is specially designed for self-employed people: truck drivers, contractors, farmers, fishermen, accountants, software engineers, part-time workers and many others occupations and professions.


  • No medical examination at the time of purchase. Answer just a few basic questions to apply. You can receive injury-only coverage if you do not qualify for sickness coverage.
  • 24/7 Protection.
  • Affordable: Premiums start as low as $10.50 per month for injury-only coverage.
  • Tax-free monthly benefit: Choose $500, $1,000 or $1,500 (75% of your gross monthly income is the maximum).
  • Easy to apply
  • Total disability benefits: Receive a monthly benefit for up to 2 years if a covered illness or injury completely prevents you from working.
  • No premium payments during disability: Your premiums will be waived if you are disabled and being paid monthly benefits.
  • Portable: You can keep your policy if you change jobs.
  • Policy cannot be cancelled as long as you pay your premiums
  • 30-Day review period: If you change your mind during this time, you will get a full refund and your policy will be cancelled.


  • Income replacement up to $6,000/month
  • Income protection in the event of an accident or soft tissue injury
  • Income protection in the event of an illness
  • Coverage for injury only, or both illness and injury
  • Accidental death, dismemberment or loss of use
  • Accidental fracture
  • Extended medical care further to an accident
  • You can choose coverage that protects you 24 hours a day, both on and off the job

Ideal if you:

  • Are a self-employed individual
  • Are concerned about qualifying for traditional coverage
  • Want to top up your existing coverage or don’t have any life or health insurance plan
  • Have group insurance but planning to leave your job (group insurance cannot go with you)

You are eligible if you:

  • are between the ages of 18 and 69 inclusively
  • currently work for at least 8 months per year and 21 hours per week
  • are not currently limited in terms of your movements or your daily activities due to an injury or illness
  • don’t have a degenerative chronic disease or a permanent physical or intellectual impairment
  • are a Canadian citizen or permanent resident

To ask questions, or learn more about how the Accidental Disability Insurance works, or to buy the Disability policy, please:

  • call at 416-822-2698
  • email at or
how can we help you?

Please let us know how we can help. Whether it is a free no-obligation quote or just a question – we will be happy to provide you with detailed answers.


Please let us know how we can help. Whether it is a free no-obligation quote or just a question – we will be happy to provide you with detailed answers.

Free, no obligation quote