Disability Accident Benefits
Having an accident policy allows an ongoing monthly income to cover a brief layup for a sprain or strain that leaves you unable to work for a few weeks or months or for debilitating injuries causing years or even your entire lifetime left unable to earn your income.
Our accident policies offer 24 hour a day protection; on or off the job. From playing with the kids in the backyard, to home repairs, while commuting or participating in your favourite pastimes, you are protected.
All policies are designed on an individual basis to suit the needs and qualifications of your specific situation.
Empire Life pays your full benefit regardless of any other benefits you receive.
Important Features
Lifetime
Our Lifetime Accident program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered accident 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 injury 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.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Waiting Period: From 0 days to 180 days
- Accidental Death, Dismemberment or Loss of Sight: Up to $25,000
- Guaranteed Renewable: For life
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
Hospital & Disability Accident Benefits
Protect yourself against any minor and catastrophic injuries with the Hospitalization and Accident policy. Providing you qualify, secure yourself a full 5.5 years of benefits per covered accident that provides a guaranteed, tax free income so you can focus on your health rather than the stress of your finances. Included if you qualify is the Lifetime Hospital Benefit that pays in addition to your regular disability benefits from the first day you’re are confined to a hospital, up to the rest of your life if necessary. Also included if you qualify is a working benefit that pays you half your full total disability benefits for up to three full months for any injury that slows you down but you’re still able to perform some of your regular duties.
Once qualified, you may add the Return of Premium Guarantee, where 100% of all 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.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Elimination Period: From 0 days to 180 days
- Accidental Death: Up to $37,500
- Hospitalization Benefits: Lifetime
- Guaranteed Renewable: For life
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
5 Year
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Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut egestas erat, eu mattis odio. In pharetra purus sapien, non scelerisque neque scelerisque et. Aliquam metus dolor, vehicula at dictum sed, ultrices vitae ipsum.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Elimination Period: From 0 days to 180 days
- Accidental Death: Up to $10,000
- Dismemberment or Loss of Sight: Up to $5,000
- Guaranteed Renewable: For life
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
6 Month
Our 6 month Accident program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered injury 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 injury 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.
- MONTHLY BENEFITS UP TO $2,000
- Level of Protection: From $600 to $2,000
- Waiting Period: 0 Days
- Guaranteed Renewable: To age 85
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
Emergency Benefits
Suited for retiree’s, business start-ups, students or those working within the home to provide a guaranteed monthly income from the first day you see your doctor up to a full six months for any covered accident, allowing you the time to heal and rest while sleeping soundly to know you have a regular income to rely on. Also included is a 3 month partial disability that will pay half your full total disability benefits if you are working with an injury.
Included if you qualify are the safe driver benefits offering additional benefits paid in the case of an injury sustained from a covered motor vehicle accident. Included if you qualify, is a lump sum payment of up to $160, 000 in the case of suffering a long-term total disability from a covered motor vehicle accident. Plus, an additional $12,000 per month will be paid each month you’re confined to a hospital from a covered motor vehicle injury, at the rate of $400 per day, for up to 60 days; paid in addition to all other benefits included in the program. All of the safe driver benefits are inflation protected meaning they will grow by 5% each year for 10 years to guard you against annual inflation.
Once qualified, you may add the Return of Premium Guarantee, where 100% of all 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.
- MONTHLY BENEFITS UP TO $2,000
- Level of Protection: From $600 to $2,000
- Elimination Period: 0 days
- Safe Driver Benefits: Up to $1,600 per month; up to 6 moup to $1,600 per month; up to 6 months; Paid to you every month you're Totally Disabled because of a covered motor vehicle injury. Paid in addition to your All Accident Benefit.nths; Paid to you every month you're Totally Disabled because of a covered motor vehicle injury. Paid in addition to your All Accident Benefit.
- Hospital Coverage: Up to $12,000 per month; $400/day; up to 60 days
- Death Lump Sum Payout: $20,000 paid in one lump sum to your beneficiary in the event of your death, as a result of a covered motor vehicle injury, within 365 days of such injury.
- Safe Driver Inflation Protection: Yes. Eligible Safe Driver Benefits increase 5% per year for 10 years. At the end of 10 years, these benefits will have reached their maximum value of 150% of the original amount.
- Permanent Total Disability: Up to $160,000; Paid to you in the event of a covered motor vehicle injury; $20,000 first year with $20,000 increase every year on renewal up to maximum
- Guaranteed Renewable: Up to 85
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
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 Accident Benefits
Having an accident policy allows an ongoing monthly income to cover a brief layup for a sprain or strain that leaves you unable to work for a few weeks or months or for debilitating injuries causing years or even your entire lifetime left unable to earn your income.
Our accident policies offer 24 hour a day protection; on or off the job. From playing with the kids in the backyard, to home repairs, while commuting or participating in your favourite pastimes, you are protected.
All policies are designed on an individual basis to suit the needs and qualifications of your specific situation.
Empire Life pays your full benefit regardless of any other benefits you receive.
Important Features
Lifetime
Our Lifetime Accident program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered accident 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 injury 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.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Waiting Period: From 0 days to 180 days
- Accidental Death, Dismemberment or Loss of Sight: Up to $25,000
- Guaranteed Renewable: For life
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
Hospital & Disability Accident Benefits
Protect yourself against any minor and catastrophic injuries with the Hospitalization and Accident policy. Providing you qualify, secure yourself a full 5.5 years of benefits per covered accident that provides a guaranteed, tax free income so you can focus on your health rather than the stress of your finances. Included if you qualify is the Lifetime Hospital Benefit that pays in addition to your regular disability benefits from the first day you’re are confined to a hospital, up to the rest of your life if necessary. Also included if you qualify is a working benefit that pays you half your full total disability benefits for up to three full months for any injury that slows you down but you’re still able to perform some of your regular duties.
Once qualified, you may add the Return of Premium Guarantee, where 100% of all 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.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Elimination Period: From 0 days to 180 days
- Accidental Death: Up to $37,500
- Hospitalization Benefits: Lifetime
- Guaranteed Renewable: For life
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
5 Year
Sed molestie, eros et tempor eleifend, tortor justo ultricies odio, ut viverra est sem eget augue. Ut volutpat lectus vel arcu euismod scelerisque. Aliquam sollicitudin aliquet nisl ut faucibus. Cras accumsan dignissim neque et pulvinar. Proin aliquam varius convallis. Suspendisse eget arcu id eros cursus ultrices. Phasellus consectetur tellus sit amet libero aliquet rhoncus.
Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur ut egestas erat, eu mattis odio. In pharetra purus sapien, non scelerisque neque scelerisque et. Aliquam metus dolor, vehicula at dictum sed, ultrices vitae ipsum.
- MONTHLY BENEFITS UP TO $5,000
- Level of Protection: From $600 to $5,000
- Elimination Period: From 0 days to 180 days
- Accidental Death: Up to $10,000
- Dismemberment or Loss of Sight: Up to $5,000
- Guaranteed Renewable: For life
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
6 Month
Our 6 month Accident program offers qualified policy holders a guaranteed income from the first day you see your doctor for a covered injury 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 injury 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.
- MONTHLY BENEFITS UP TO $2,000
- Level of Protection: From $600 to $2,000
- Waiting Period: 0 Days
- Guaranteed Renewable: To age 85
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
Emergency Benefits
Suited for retiree’s, business start-ups, students or those working within the home to provide a guaranteed monthly income from the first day you see your doctor up to a full six months for any covered accident, allowing you the time to heal and rest while sleeping soundly to know you have a regular income to rely on. Also included is a 3 month partial disability that will pay half your full total disability benefits if you are working with an injury.
Included if you qualify are the safe driver benefits offering additional benefits paid in the case of an injury sustained from a covered motor vehicle accident. Included if you qualify, is a lump sum payment of up to $160, 000 in the case of suffering a long-term total disability from a covered motor vehicle accident. Plus, an additional $12,000 per month will be paid each month you’re confined to a hospital from a covered motor vehicle injury, at the rate of $400 per day, for up to 60 days; paid in addition to all other benefits included in the program. All of the safe driver benefits are inflation protected meaning they will grow by 5% each year for 10 years to guard you against annual inflation.
Once qualified, you may add the Return of Premium Guarantee, where 100% of all 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.
- MONTHLY BENEFITS UP TO $2,000
- Level of Protection: From $600 to $2,000
- Elimination Period: 0 days
- Safe Driver Benefits: Up to $1,600 per month; up to 6 moup to $1,600 per month; up to 6 months; Paid to you every month you're Totally Disabled because of a covered motor vehicle injury. Paid in addition to your All Accident Benefit.nths; Paid to you every month you're Totally Disabled because of a covered motor vehicle injury. Paid in addition to your All Accident Benefit.
- Hospital Coverage: Up to $12,000 per month; $400/day; up to 60 days
- Death Lump Sum Payout: $20,000 paid in one lump sum to your beneficiary in the event of your death, as a result of a covered motor vehicle injury, within 365 days of such injury.
- Safe Driver Inflation Protection: Yes. Eligible Safe Driver Benefits increase 5% per year for 10 years. At the end of 10 years, these benefits will have reached their maximum value of 150% of the original amount.
- Permanent Total Disability: Up to $160,000; Paid to you in the event of a covered motor vehicle injury; $20,000 first year with $20,000 increase every year on renewal up to maximum
- Guaranteed Renewable: Up to 85
- Fixed Benefit (even if your income has fluctuated when you make a claim): Yes
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