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Enhancements to Disability Income Based on Loans Rider |
In response to your feedback, we’ve introduced key updates to our Disability Income additional benefit rider, with a focus on loan eligibility periods and joint policy coverage. These enhancements further strengthen the protection we offer, ensuring your clients get the support they need when it matters most.
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New Contractual Features:
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Reduced Loan Eligibility Period |
We’ve shortened the loan eligibility period from 120 days to 90 days. Now, loans are eligible if they've been in effect for at least 90 days prior to the disability start date.
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Eligible loans include:
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Real estate mortgages
Personal loans (including automobiles, boats, RVs, renovations and student loans)
Personal and residential lines of credit
Personal credit cards
Rent payments
Condominium fees
Commercial loans
RRSP withdrawals
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Enhanced Disability Income Based on Loans for Joint Policies |
We’ve improved our Disability Income (DI) coverage for joint policies. If both insured individuals on a joint policy become disabled at the same time, each will receive DI benefits for their portion of the eligible loans.
In cases where multiple insureds are totally disabled and covered for the same loan (e.g., mortgage), the total monthly DI benefit payments will never exceed the amount required by the creditor.
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For more information on our Disability Income coverage, please refer to our Complete Rider Guide.
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| Complete Rider Guide
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CASE SCENARIO
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Does your client have a rated policy that is up for renewal? |
Linda's Term 30 policy is up for renewal soon, and she's considering converting to permanent coverage for final expense protection and legacy planning. However, with a 200% rating on her current policy, the conversion option seems financially out of reach.
A new policy turned out to be the better solution. With Platinum Protection Whole Life, Linda secured $100,000 in permanent Simplified Issue coverage, with no deferral period or medical exams required, for just $248.94 per month.
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Looking back on our 2024 AGM: Record sales and profits, resulting in the best year in our history! |
Our results illustrate our team’s commitment to excellence. It is thanks to the collaboration of our employees and the trust of our partners, advisors and clients that we have achieved these results. A huge thank you to everyone!
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NEW
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Monthly returns are now available and easier to access! |
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The latest returns as of February 28, 2025 are here! Monthly returns are now divided into separate sheets for Segregated Funds and Registered Investment Accounts, making it easier to find what you need. Access them quickly on
our new dedicated webpage, where you can select the return sheet you want to consult.
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| Discover now
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SMARTSERIES
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Smart investing starts here |
Over the past three years, our SmartSeries portfolios have remained the top-performing Target Date Funds in the country!
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Regularly rebalanced with fund flows
Long-term strategy tailored to risk tolerance
Since inception in 2018, delivering 4% to 10% net returns based on risk level
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Discover the success behind our top performers. Download our Client Leaflet and Fund Allocation Leaflet to learn why our SmartSeries portfolios are recognized as the best in Canada.
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