An overview of disability plans available to professionals.
LSM will be taking a look at a variety of insurance plans and we will dissect them on our website in an effort to show you the pros and cons of each. With this kind of clarity, we hope you’ll be able to find the plan that’s right for you and your family.
Built-in Long Term Care conversion option (however, it’s not as robust as RBC because there are no lifetime benefits available on the their Long-term care policies)
I wanted to express my sincere gratitude for the way you and your team handled my wife's death claim on her insurance policy. It is my belief the measure of an insurance broker is his/her responsiveness at a time of need.
When my wife passed away I contacted your office and you treated my claim as a top priority. You returned my call immediately to get the claim process started and provided a clear and concise summary of what documents were needed to have the policy pay out as quickly as possible. You walked me through every step of the process and I sincerely thank you for being so available, attentive and courteous during such a challenging period in my life.
I’m looking for Disability Insurance and Critical Illness combo for my wife. She is 53 GP. Is there a combo plan geared towards Professionals
LSM Insurance
Hi Thomas, Most of the combination type plan Manulife has a popular plan and Humania Assurance just introduced a combination type plan are more geared towards blue collar workers.
Your wife is likely far better off looking for an individual disability plan – which offers a preferred occupation class for physicians and a separate Critical Illness plan – some companies do offer multi policy discounts but you would likely only be saving the policy fee which is a relatively small % of the overall premium.
LSM Insurance
Thanks for the note Joel. The premiums will depend on your occupation, smoking status and the amount of coverage. We will be in touch by email soon.
LSM Insurance
I am 47 year old have $3000 a month through my association. I recently got diabetes and is looking to increase my coverage but my association declined my upgrade request. I make aboiut $150,000 a year. Can you provide me a quote
Graham
I want a $10,000 a month benefit. I just left my employer and I’m working a computer consultant I do have a few issues.
LSM Insurance
Thanks Graham. We are happy to help and will be in touch by email. Computer Consultant is a very favourable occupation for disability insurance. The premiums depend on the benefit amount, elimination period, benefit period, date of birth , smoking status and health.
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I’m looking for Disability Insurance and Critical Illness combo for my wife. She is 53 GP. Is there a combo plan geared towards Professionals
Hi Thomas, Most of the combination type plan Manulife has a popular plan and Humania Assurance just introduced a combination type plan are more geared towards blue collar workers.
Your wife is likely far better off looking for an individual disability plan – which offers a preferred occupation class for physicians and a separate Critical Illness plan – some companies do offer multi policy discounts but you would likely only be saving the policy fee which is a relatively small % of the overall premium.
Thanks for the note Joel. The premiums will depend on your occupation, smoking status and the amount of coverage. We will be in touch by email soon.
I am 47 year old have $3000 a month through my association. I recently got diabetes and is looking to increase my coverage but my association declined my upgrade request. I make aboiut $150,000 a year. Can you provide me a quote
I want a $10,000 a month benefit. I just left my employer and I’m working a computer consultant I do have a few issues.
Thanks Graham. We are happy to help and will be in touch by email. Computer Consultant is a very favourable occupation for disability insurance. The premiums depend on the benefit amount, elimination period, benefit period, date of birth , smoking status and health.