Disability Sickness Benefits
Any sickness benefit MUST be attached to an accident policy.
Everyday Canadians fall ill and are unable to work leaving them battling for their health and finances simultaneously. Having to sell hard earned assets or rack up credit to keep necessities paid while down with a sickness causes panic and stress that is not conducive to healing.
Our sickness policies protect against these situations by providing an ongoing monthly income. Sicknesses like flu causing a week of work missed, more serious sicknesses like a heart attack that take a year to recover from, serious situations like cancer that require years of treatment, or required reparative surgeries from years of wear and tear can happen to anybody and our policies help protect you when it does. A sickness policy allows you to take the time to focus on your health without the stress of finances.
Empire Life pays your full benefit regardless of any other benefits you receive.
Important Features
Lifetime
Our Lifetime Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to the rest of your life if necessary. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you will always be able to financially provide for yourself and your family and can focus on your health rather than your finances when illness strikes.
Once qualified, you may add the Return of Premium Guarantee, where 100% of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.
Any sickness benefit MUST be attached to an accident policy.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Waiting Period: From 0 days to 180 days
- Guaranteed Renewal: To age 65; After age 65, the Rider is guaranteed renewable for as long as you continue working full time in an approved occupation
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
2 Year
Our 2 year Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to 2 full years per covered sickness that leaves you totally disabled and unable to earn your income. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you are able to financially provide for yourself and your family and can focus on your health rather than your finances when illness strikes.
Once qualified, you may add the Return of Premium Guarantee, where 100% of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.
Any sickness benefit MUST be attached to an accident policy.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Elimination Period: From 0 days to 180 days
- Guaranteed Renewable: To age 65; After age 65, the Rider is guaranteed renewable for as long as you continue working full time in an approved occupation
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
6 Month
Our 6 month Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to 6 full months per covered sickness. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you are able to financially provide for yourself and your family and can focus on your health rather than your finances when illness strikes.
Once qualified, you may add the Return of Premium Guarantee, where 100% of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.
Any sickness benefit MUST be attached to an accident policy.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Waiting Period: 0 Days
- Guaranteed Renewal: Yes
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
- Coverage Change after 65 Years of Age: Benefits convert to Hospital coverage
General FAQs
Income replacement: Provides a monthly paycheque.
Dismemberment: A one time payout in the case of a dismemberment.
Hospitalization: Pays out when the policy holder(s) are confined to a hospital.
Critical Illness: A one time payout in the case of a critical diagnosis. Which diseases are outlined in each policy.
Business Plan Protection: Pays an ongoing income to cover business expenses when the names policy holder(s) become injured or ill.
Income protection is broken down into two essential parts: Accident and Sickness.
Accident protects your income when there is an incident with external forces that causes you an injury; you were hurt.
Sickness protects your income when an illness is produced over the course of time. This includes reparative surgeries as the condition is produced over time rather than an incident of injury as outlined above.
Important Features
- Choose your own physician or chiropractor for medical attention
- 90% of complete claims are settled within 7 days
- No benefit limits for soft tissue injuries or back injuries or sprains/strains
- Empire Life Pays your Full Benefit Regardless of any other Benefits You Receive
- No taxes withheld
- Benefits paid directly to you
- Available to qualified applicants only
Brochure Details
Disability Sickness Benefits
Any sickness benefit MUST be attached to an accident policy.
Everyday Canadians fall ill and are unable to work leaving them battling for their health and finances simultaneously. Having to sell hard earned assets or rack up credit to keep necessities paid while down with a sickness causes panic and stress that is not conducive to healing.
Our sickness policies protect against these situations by providing an ongoing monthly income. Sicknesses like flu causing a week of work missed, more serious sicknesses like a heart attack that take a year to recover from, serious situations like cancer that require years of treatment, or required reparative surgeries from years of wear and tear can happen to anybody and our policies help protect you when it does. A sickness policy allows you to take the time to focus on your health without the stress of finances.
Empire Life pays your full benefit regardless of any other benefits you receive.
Important Features
Lifetime
Our Lifetime Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to the rest of your life if necessary. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you will always be able to financially provide for yourself and your family and can focus on your health rather than your finances when illness strikes.
Once qualified, you may add the Return of Premium Guarantee, where 100% of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.
Any sickness benefit MUST be attached to an accident policy.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Waiting Period: From 0 days to 180 days
- Guaranteed Renewal: To age 65; After age 65, the Rider is guaranteed renewable for as long as you continue working full time in an approved occupation
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
2 Year
Our 2 year Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to 2 full years per covered sickness that leaves you totally disabled and unable to earn your income. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you are able to financially provide for yourself and your family and can focus on your health rather than your finances when illness strikes.
Once qualified, you may add the Return of Premium Guarantee, where 100% of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.
Any sickness benefit MUST be attached to an accident policy.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Elimination Period: From 0 days to 180 days
- Guaranteed Renewable: To age 65; After age 65, the Rider is guaranteed renewable for as long as you continue working full time in an approved occupation
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
6 Month
Our 6 month Sickness program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered sickness for up to 6 full months per covered sickness. Your benefits will pay in full, regardless of any other benefits you may receive.
You will sleep soundly knowing that you are able to financially provide for yourself and your family and can focus on your health rather than your finances when illness strikes.
Once qualified, you may add the Return of Premium Guarantee, where 100% of the premiums you have contributed will be returned to you, less any claims at age 65 or after 20 years, whichever is later allowing you to invest in your future while providing a guaranteed income.
Any sickness benefit MUST be attached to an accident policy.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Waiting Period: 0 Days
- Guaranteed Renewal: Yes
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
- Coverage Change after 65 Years of Age: Benefits convert to Hospital coverage
General FAQs
Income replacement: Provides a monthly paycheque.
Dismemberment: A one time payout in the case of a dismemberment.
Hospitalization: Pays out when the policy holder(s) are confined to a hospital.
Critical Illness: A one time payout in the case of a critical diagnosis. Which diseases are outlined in each policy.
Business Plan Protection: Pays an ongoing income to cover business expenses when the names policy holder(s) become injured or ill.
Income protection is broken down into two essential parts: Accident and Sickness.
Accident protects your income when there is an incident with external forces that causes you an injury; you were hurt.
Sickness protects your income when an illness is produced over the course of time. This includes reparative surgeries as the condition is produced over time rather than an incident of injury as outlined above.
Important Features
- Choose your own physician or chiropractor for medical attention
- 90% of complete claims are settled within 7 days
- No benefit limits for soft tissue injuries or back injuries or sprains/strains
- Empire Life Pays your Full Benefit Regardless of any other Benefits You Receive
- No taxes withheld
- Benefits paid directly to you
- Available to qualified applicants only