The protection plan for self-employed Canadians

You’ve worked so hard.
Don’t lose it now.

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Thousands of Canadians take “unintended vacations” every year. Many are diagnosed with common but serious illnesses, and many more are injured at work, in the car, at home or at play. Hopefully you’ll always arrive at the jobsite healthy and happy. But if something ever goes wrong, our Personal & Business Protection Plans are here to protect you, your business and your family.


Replace your income and/or cover your business expenses - get exactly what you need.


Be covered for injury or illness 24/7 on or off the job anywhere in North America.


Get your first cheque within a week of filing a claim in about 90% of cases.

Stories that hit home

There’s no way around it: people get sick and hurt.
You can never be immune, but you can always be protected.

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Meet our advisors

Many of our advisors have held careers in construction and other fields. Some have even been rescued by Protection Plans themselves. They get where you’re coming from.


Ann Mac
Calgary, AB

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I specialize in income replacement, living benefits and life insurance for people who work with their hands. I believe it is my responsibility to help my clients make good financial decisions. I live in Calgary with my partner and fur baby, and I’m a supporter of JDRF, Canadian Cancer Society and Ronald McDonald House.


Doug Leusink
Cambridge, ON

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As an Associate Regional Director in the Kitchener-Waterloo and Hamilton areas, I am passionate about assisting the advisors on my team as they provide financial protection strategies to business owners, key personnel and their families. When I’m not working, I enjoy curling and spending time outdoors fishing and boating.


Joe Belli
Ottawa, ON

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I am a grateful husband, a proud father of three great teenagers, and a dedicated hockey dad. With 16 years of experience, I am one of the busiest and most successful licensed insurance professionals who specialize in working with self-employed and skilled trades. I serve clients throughout Ottawa and Eastern Ontario.


Eddy Tong
GTA East, ON

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I lead an outstanding team of professional financial advisors in the GTA east region. With 20 years of insurance experience, I am a Certified Financial Planner, a Chartered Life Underwriter, a Certified Health Specialist and a Registered Retirement Consultant. In my personal time, I enjoy golfing, cycling and cooking in my chef’s kitchen.


Martin Lachance
Ottawa, ON

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I was born in Granby and relocated to the nation’s capital region to pursue an insurance career in 2005. Today, I mentor financial advisors to build trusting client relationships by bringing simplicity and enthusiasm to our profession. In my free time, I am a barbecue pro and love to ride my motorcycle.


Mathew Roberts
Toronto, ON

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My parents were small business owners within the trades, and I saw them deal with many financial challenges. Now, I use my deep knowledge of insurance planning to make life easier for my clients. When I’m not working, I’m on the way to coach baseball or hockey and cheer on my two sons.


Matt Dickie
London, ON

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I have been assisting self-employed people with income protection, disability and life insurance for over two decades. I know life is busy, so I make a habit of meeting clients at home or work when it’s convenient for them. I take my career seriously, but I still make time for running, tennis, golf and hockey.


Rick Bitar
Northern Alberta

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I’ve been with the firm since 1994, and am the second generation of my family to work in this profession. My expertise is income replacement for self-employed contractors and business owners. As the Associate Regional Director for Northern Alberta, I lead a team of advisors that speak English, Cantonese, Arabic, Ukrainian, Punjabi, French, Italian and Yoruba.


Bill Ostare
Calgary, AB

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I’m a senior recruiting manager in Calgary with over 20 years of experience in the insurance industry. I have a deep understanding of disability, critical illness and life insurance, and my mission is to help our clients achieve financial independence. I enjoy golfing, fishing and classic cars and I’m currently building a ‘67 T-bird.


Ishtiaq Ahmad
Barrie, ON

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I’ve been an insurance professional for over a decade, and in management since 2016. My hobbies include reading, travelling, and meeting new people. When I meet someone new, I ask myself how I can make a difference in their life, often through career mentoring or by helping them protect their income in case of disability.

Chat with one of our advisors for a free needs assessment.
Within minutes, you will know whether this program is right for you.

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Things that used to kill, now disable

Thanks to medical advances over the past 20 years, you are now less likely to die from many common illnesses. The flip side is disability rates have skyrocketed. Why take a chance? If an illness sidelines you from work, protect your bank account and maintain your lifestyle.

+70% Hypertension
+44% Heart disease
+36% Diabetes

Statistical information derived from: the Society of Actuaries, the National Safety Council, the Million Dollar Round Table, the National Underwriter-May 2002, The JHA Disability Fact Book -2003/2004 Edition - Need For Disability Insurance

Disability is surprisingly common

Injuries happen on the job, and also while driving, around the house, and on the ski slope. If you are off work for weeks, months or even longer, the right Protection Plan can make sure your personal bills and business expenses are covered.

3 million ER visits every year
250,000 Hospitalized
60,000 Disabled

Source: The Cost of Injury in Canada. The clock is ticking…, June 2015, Parachute, in collaboration with The Conference Board of Canada

Articles for you

Do you need income protection? How does it work?
How do you qualify? Find answers below.

3 Questions That Could Save Your Life

Read the article

Your Income Protection Crash Course

Read the article

How To Get Yourself Covered

Read the article

Is a Protection Plan right for you?

If you answer “yes” to any of the following, now is the time to chat with one of our advisors:

I currently lack coverage to cover my expenses

My business would have trouble running without me

My family would be stressed financially if I couldn’t work

I have a mortgage, rent or other critical expenses

It would be hard to go 1-12 months or more without income

Schedule a meeting