The Edge – Injury and Illness Disability Plan

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Get The Edge on Disability Insurance.

The Edge offers a conditionally renewable disability plan in 1993 and has since made several modifications and enhancements to that policy.

The policy is now underwritten by Cooperators after RBC Insurance introduced it's own version of the product and is available on a injury-only basis or it's available with injury and illness protection. Their injury-only coverage comes without a medical and the premiums are significantly lower than that on the injury and illness plan. The latter covers disability in the event that the insurance can't work due to an injury or an illness and is available to those age 18 to 64.

The plan is guaranteed renewable to age 70, but premiums can be adjusted at the discretion of the insurer on a class-wide basis i.e., an entire group of policy holders sharing similar characteristics would experience an increase. The plan allows the insured to choose between benefit periods of five years and to age 70 and an elimination period of zero days, 30 days or 120 days on the injury-only coverage.

The Edge recently enhanced its injury coverage to Issue ages 18 - 69, coverage to age 75. The Edge is also one of the only insurance companies to offer a Guaranteed Issue Critical Illness plan.  The plan insures applicants for up to $25,000 of coverage with no medical tests or health questions.  The insured can supplement their disability protection with Critical Illness coverage and Accidental Death and Dismemberment protection.


For more details and pricing you can contact us at 1-866-899-4849 or visit our Disability Insurance Quotes Page.

Call us: 1-866-899-4849

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2 Comments

  1. FL 09/10/2013 at 2:15 pm

    How much less is the injury only plan and can the illness extra coverage be added later TY

  2. LSM Insurance 09/10/2013 at 3:12 pm

    Thanks for the note. Illness coverage goes up in cost the older the insured gets and would be higher in relation to injury only coverage. The changes of caliming an injury only disability benefit also decreases as the insured ages.

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Head Office: 2900 John Street Suite #302 Markham, L3R 5G3
Office 1-866-899-4849, 905.248.4849 Fax 905.300.4848


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