Disability Insurance

Income protection if you can’t work due to illness or injury.

What it does

Disability insurance replaces a portion of your income if you can’t work due to illness or injury. It’s often the most important coverage for working families because your ability to earn an income is your biggest asset.

Key choices

Benefit amount (a percentage of income)
Benefit period (24 months / 60 months / 120 months / to age 65)
Wait period (how long you wait before benefits start)
Definition of disability (i.e. own occupation vs any occupation)

Quick estimate

Estimates are for guidance only. Final premiums depend on underwriting, product selection, and insurer pricing.

Age

Annual salary

Male / Female

Smoker

Occupation

Coverage type

Own occupation: benefits may be payable if you can’t do your regular job, even if you could work in another role.

Any occupation: typically requires that you can’t work in a reasonable job you’re suited for by education, training, or experience.

Benefit period

Waiting period (the time before you start getting payment)

Estimated result

Enter your age, annual salary, and occupation to see an estimate.