RBC Insurance’s Disability Plans: Professional and Quantum

RBC Insurance has four primary income replacement plans. Two of the plans are geared toward the professional market—the first is the Professional Series and their second plan is referred to as the Quantum Policy. The Professional Series is available with benefit amounts ranging from $450 to $25,000 per month. The plan is non-cancelable, meaning the insurance company cannot raise the rates or cancel the coverage. This is advantageous for the insured as they can always cancel or reduce the coverage, but RBC Insurance is bound by the terms of the contract regardless of a change in health.

The Quantum Policy is a lower-cost alternative for professionals and business owners. The policy is guaranteed renewable, meaning the insurance company can adjust the premiums on a class-wide basis. The policy has also a loss of earnings definition of disability, integration of benefits, and a focus on rehabilitation. The policy may also offer more flexibility in terms of underwriting.

Both the Professional and Quantum plans are available on a step rate basis. The initial premium is payable either to age 30 or five years after the date of issue, whichever is later. After the initial period, the premium increases to the ultimate level.

RBC Insurance also offers two plans targeted at blue-collar workers, farmers and middle-income earners. The policies offer less features and are available on a non-cancelable basis (Foundation Series) and a guaranteed renewable basis (Bridge Plan). Both these policies also have a step rate version.

For more details please call us at 1.866.899.4849 or visit our disability insurance quote page.


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  1. Brett Allison 09/05/2008 at 11:27 pm

    I need some type of disability insurance as have just taken out a mortgage and would like to know how to be covered in the case of being unable to work, how much it will cost and all of my options

  2. LSM Insurance 09/06/2008 at 6:21 am

    Hi Brett,

    I’m happy to help out out. I’ll send you a seperate email with all my contact details – you can let me know the city your in and I can have one of our brokers contact you to get more details to get working on some quotes.

  3. Trisha Klein 10/07/2008 at 3:59 pm

    I would like more information about RBC Foundation Series of Disability insurance.

  4. LSM Insurance 10/07/2008 at 4:13 pm

    Hi Trisha,

    Below are some details on the Foundation series.

    Please contact me at 905 248 4849 or [email protected] if you would like me to work out a quote. Regards … Lorne

    The Foundation Series policy offers comprehensive long-term total Individual Disability Income Protection with a wide selection of optional benefits (e.g., long-term and short-term partial disability benefits, FIO, COLA). 

    This modular design and selection of benefits is suitable for a wide variety of clients such as business owners, employees, blue-collar workers, farmers and the middle income market.

    The step rate version of The Foundation Series policy is available to those who are more comfortable paying lower premiums until they become more established in their business or profession. The initial premium is payable to age 30 or for five years after the date of issue, whichever is later. After the initial period, the premium increases to the ultimate level. Both premiums are guaranteed at issue. This is available to 4A, 3A, 2A classes.

    Components of Coverage
    Income protection (Total disability and optional, short-term or long-term partial disability) 
    Return to work (Return to work assistance, Recovery benefit available with long-term partial ri

  5. mylo 11/05/2008 at 5:58 am

    disability ins quote?

  6. LSM Insurance 11/05/2008 at 1:36 pm

    I’m happy to help out!

    My contact deatils are below or you can visit our disability quote page link to lsminsurance.ca

    Lorne S. Marr CFP MBA
    LSM Insurance
    2900 John Street Suite 302
    Markham, Ontario L3R 5G3
    Tel: 905-248-4849 Cell: 647-388-3617
    Toll Free: 1-866-899-4849 Fax: 905-300-4848
    [email protected] http://www.lsminsurance.ca

  7. Hicken 09/25/2009 at 4:12 pm

    I am finishing my degree in Dental Hygiene in 6 months and am wondering how expensive disability insurance on my wrists might be considering that they were injured mildly in a car accident 2 years ago and a claim was made through British Columbia auto insurance. In other words will it be a lot more expensive because they aren’t perfect and tendonitis or arthritis may be in the future? Age: 21

  8. LSM Insurance 09/25/2009 at 4:49 pm

    Thanks for the note. You can’t insure a specific body part. Most disability will exclude pre-existing conditions.

  9. Michelle McDonald 09/29/2009 at 1:04 pm


    I am wondering if you offer Long term Disability Benefits to employees who chose to work beyond the age of 65. If yes, what would be the fee structure, recognizing that it is dependent on income.


  10. LSM Insurance 09/29/2009 at 4:49 pm

    Hi Michelle,

    Thanks for the note. Most disability plans end at age 65 but Critical Illness Insurance or Long Term Care Insurance could be a good fit. I’ll send you a separate email shortly.

    Regards … Lorne

  11. Clever 10/14/2009 at 2:01 pm

    I need disbility insurance, I am selfemployed and need to have this insurance. Please let me know how I can get a quote.

    Thank you

  12. LSM Insurance 10/14/2009 at 3:16 pm

    Thanks Clever – I’ll be in touch with you soon. Regards … Lorne

  13. Marc Furois 12/15/2010 at 3:19 pm

    Regarding RBC’s Quantum and Bridge policies, please note they cannot be cancelled, as indicated in your description. Guaranteed Renewable means the premiums can be adjusted by class, but, the policy/coverage cannot be cancelled prior to age 65, as long as premiums are paid when due.

  14. LSM Insurance 12/15/2010 at 4:59 pm

    Thanks Marc – this has been noted. Thanks again for your insights.

  15. Peter 02/19/2011 at 5:33 pm

    I was getting LTd benefits payments last year as i was off work i was advise they were non taxable how would i claim this on my tax. Will the insurance company send me a form to submit for my taxs or do i just add up all the payments and put it as other income when doing my taxes.

  16. LSM Insurance 02/20/2011 at 11:09 am

    Hi Peter,

    Thanks for the note. I would suggest you contact RBC or your agent/broker to verify things. But if the income is non taxable no supporting tax slip should be necessary

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