Accident Protection

Making ends meet at the end of every month is a major concern for all Canadians.  

Innovative Insurance knows that self-employed individuals have difficulty purchasing a disability protection plan at a reasonable cost.  That's why we offer a special coverage solution available to Self-Employed Business Owners and their employees.

Too Much To Do?  That's a good problem to have as long as you're physically able to do the work.  But, what would you do if you couldn't?  Disability - even for a short time, can strike when it's most inconvenient.  If you broke your arm skiing and were unable to hold your tools or drive your vehicle, how would you fare financially?  Would you need to hire someone to do your work? 

Personal Accident & Sickness Compensation plans protect your most valuable asset . . . your ability to work and earn a living.

<<< Calculate What Your Income Needs would be if YOU Became Disabled.

It's EASY to Qualify . . . Personal Accident insurance is designed to provide Guaranteed to Issue Accident coverage if you can answer "No" to 3 qualifying questions.  If you do not work or work less than 30 hours per week you can qualify for $1,000 in monthly benefits, with coverage renewable through to age 90.

No proof of income is required for benefits up to $2,000 per month.  To apply for more than $2,000 in monthly benefits, employed individuals must work more than 30 hours per week at the time of application.

Benefits of up to $6,000 per month are available to age 64 for both Accident and Sickness protection, and up to $4,000 per month for ages 65 to 68.

For your convenience, premiums can be easily paid through your chequing account or by credit card.

Premiums are based on your age and the monthly benefit you qualify for.