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                  We've Got You and Your Business Covered!
                   Guaranteed Issue Accident Protection 24 Hours a Day.
                   In Your Home, at Work, or at Play, Anywhere In the World!
                   No Medical Required - Just 3 Simple Qualifying Questions.

 

          24 Hour Accident & Sickness Compensation Plans

 

Unique Income Replacement Benefits for Small Business

Specialized

Plan Designed For

Self-Employed and

Small Business Owners

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Learn More

Unique Income Replacement Benefits for Owner Operators and Drivers

Specialized

Plan Designed For

Owner Operators

and Drivers

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Learn More

Unique Income Replacement Benefits for Farmers Ranchers and Orchard Owners

Specialized

Plan Designed For

Farmers, Ranchers,

& Orchard Owners

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Learn More

Unique Income Replacement Benefits for Mechanics and Auto Service and Garage Owners

Specialized

Plan Designed For

Garage Owners

and Mechanics

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Learn More

Unique Income Replacement Benefits for Contractors & Trades People

Specialized

Plan Designed For

Contractors and

Trades People

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Learn More

Unique Income Replacement Benefits for Fishery Factory and Manufacturing

Specialized

Plan Designed For

Fishery, Plant &

Manufacturing

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Learn More

Supplementary Health Benefits for FT and PT Employees

Specialized

Plan Designed For

Full & Part Time

Employees

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Learn More

Affordable Accident and Hospitalization Benefits for the entire family

Specialized

Plan Designed For

Families and

Individuals

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Learn More

Affordable Income Protection for Semi Retired and Retired Seniors

Specialized

Plan Designed For

Semi-Retired and

Retired Seniors

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Learn More

Affordable Accident Protection for Elementary, Secondary and Post Secondary Students

Specialized

Plan Designed For

Full & Part Time

Students

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Learn More

Cash Hospital Protection for Canadians

Specialized

Plan Designed For

Cash Hospital

Protection

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Learn More

Disability Needs Assessment

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

 

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.

 

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.