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Disability Insurance Quotes in Canada
Compare disability insurance quotes from every major Canadian insurer through one independent broker, at no cost to you.
Disability insurance replaces a portion of your income, tax-free, if illness or injury stops you from working. Going direct to a single insurer gets you one company’s offer. We shop your occupation, income, and health across all of them and bring back the contract that actually fits, in about the time it takes to fill out one application.
Disability Insurance Quotes in Canada
Compare disability insurance quotes from every major Canadian insurer through one independent broker, at no cost to you.
Disability insurance replaces a portion of your income, tax-free, if illness or injury stops you from working. We shop your occupation, income, and health across all of them and bring back the contract that actually fits.
Why Work With an Independent Disability Insurance Broker
An independent broker works for you, not for one insurance company. That is the whole difference. Go direct and you get a single insurer’s verdict on your job and your health. We compare across every major Canadian carrier and bring back the one that actually fits, and the insurer pays us, so the advice costs you nothing.
Disability insurance replaces part of your income if illness or injury stops you from working, so you are not draining savings or taking on debt while you recover. Here is what we line up for you:
Quotes from many insurers
Compared across multiple Canadian carriers, not a single company’s rate.
Matched to your job
Coverage built around your occupation and income, including own-occupation contracts that pay if you cannot do your specific job.
The settings that matter
Honest guidance on waiting periods, benefit periods, and riders, the details that decide whether a policy actually pays.
No-medical options
For trades, higher-risk jobs, or anyone worried about being declined through standard underwriting.
Straight answers on tax
Benefits are usually tax-free when you pay the premiums yourself, and we tell you exactly when they are not.
Not every contract is built the same. A few are non-cancellable, meaning the insurer cannot raise your premium or change the terms once you are approved. Others are more flexible but can adjust. Knowing which is which is exactly what we sort out for you. To see how the major carriers stack up, start with our guide to the top disability insurance companies in Canada, or read up on the difference between group and individual disability insurance.
How to Get a Disability Insurance Quote in Canada
Getting a disability insurance quote takes three things: your occupation, your income, and a sense of how long you could go without a paycheque. From there a broker compares insurers and brings back real numbers. You do not need to know the products first, that is our job.
What we ask
Your job and duties, your income, smoker status, and the waiting period you can manage before benefits start. That is enough to price you accurately.
What moves the price
Occupation class is the big one. A desk job costs less to insure than a trade. Age, the monthly benefit, the benefit period, and any riders do the rest.
What you get back
A side-by-side comparison of real quotes from multiple insurers, with a plain recommendation on which contract fits and why.
If you would rather buy disability insurance online or compare quotes yourself first, that is fine too. The catch with going it alone is that the cheapest quote often hides the weakest definition of disability, and you only find out at claim time. A broker reads the fine print so you do not get surprised when it counts.
Disability Insurance Brokers Across Canada
We are based in Hamilton, Ontario, and licensed to place disability coverage across seven provinces: Ontario, Alberta, British Columbia, Manitoba, Saskatchewan, New Brunswick, and Nova Scotia. Everything is handled by phone, email, and video, so where you live in those provinces does not change the service.
That includes clients in Toronto, Ottawa, Hamilton, Burlington, Oakville, Barrie, Newmarket, and across Ontario, along with Vancouver and Victoria in BC, Calgary and Airdrie in Alberta, and Winnipeg and Winkler in Manitoba. Wherever you are in the provinces we serve, the comparison works the same way.
Group or Association Coverage vs Individual Disability Insurance
Group or association disability coverage can be a helpful starting point. Individual disability insurance is often the stronger long-term solution because it is portable, customizable, and built around your occupation and income.
Group / Association Coverage
- Often owned by your employer or association.
- May be reduced or lost if you change jobs or leave the association.
- Definition of disability often shifts to an “any occupation” test after a period of time.
- Benefit amount is usually capped and may not reflect bonuses or variable income.
- Benefits are often taxable if the employer pays premiums.
- Terms and benefits can change at renewal.
Individual Disability Insurance
- You own and control the policy.
- Coverage typically follows you even if you change jobs.
- Stronger “own occupation” definitions are often available.
- Benefits can be structured around your income and occupation.
- Benefits are typically tax-free when premiums are paid personally.
- Terms are usually locked in at issue.
Note: Coverage details vary by insurer and plan design. A licensed broker can confirm definitions, benefit limits, and tax treatment based on your situation.
How a Disability Insurance Quote Works With Us
No long forms and no pressure. Here is exactly what happens from your first message to the day your coverage is in force.
Tell us about you
Your occupation, your income, and roughly how long you could go without a paycheque. A few minutes by phone or email is enough to get started.
We shop the market for you
We compare quotes across every major Canadian insurer and figure out which carrier treats your job and your health best. This is where a broker earns their keep.
Review your options together
You get a plain-language comparison of real quotes, with a clear recommendation on the waiting period, benefit period, and definition of disability that actually fit you.
Apply with us in your corner
We handle the application and walk the underwriting through with you, so there are no surprises when it comes time to actually claim.
Get covered
Once you are approved, your policy is in force and your income is protected. We stay available if anything changes down the road.
One conversation. Every insurer compared.
Get your disability insurance quotes from one independent broker
Your income is the asset everything else depends on. Tell us your occupation and income, and we will compare real quotes across every major Canadian insurer, then point you to the contract that actually fits. No cost, no pressure, no surprises at claim time.
New to disability insurance? Compare the major carriers in our guide to the top disability insurance companies in Canada, or see how group and individual coverage compare.
Insurers we work with
