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Living Benefit

Living Benefit

We suggest insurance benefits that you can enjoy all your life!

Types of Living Benefits in Canada - Avail Today !

CRITICAL ILLNESS

The Critical Illness Plan is insurance that pays a living benefit in the event that you are diagnosed with a serious illness covered under the policy. The protection offered under this plan is in force until 10 years, 20 years, age 75 and age 100,.

During the period where the policy is in force, claims may be made following diagnosis of any covered condition. All claims are subject to a 30-day survival period following diagnosis, after which benefits may be paid.

Benefits amount:   $10,000   to 2,000,000

If no claims made, all your premiums will be returned back to you after 15 years.

Coverage is also available on no medical exams, only on the qualification of few medical questions  (conditions apply)

DISABILITY INSURANCE: (PROTECT YOUR INCOME AND YOUR BUSINESS)

Income Protection:

Disability Insurance, is meant to provide you with an income when you can’t work due to an injury or illness.

Benefits are paid monthly after a certain waiting period (if applicable) has passed. The benefit is paid for the period of time you are disabled up to the maximum amount of time allowed in the policy contract.

Benefits are usually a percentage of your income., you can have benefits based on your Gross Business Revenue or Net Earned Income, depending on how you get paid.

Benefit Period;  Till age 65 or 70 conditions apply

Return of premium ( 50 % after 8 years if no claims is made).  This benefit is available only under 55 years of age.

Business Protection:

When you’re self-employed you are the key contributor to the success of your business, so consider the impact if you were unable to work due to a disability for any length of time.

  • Benefits range from $1,000 to $6,000* per month (up to 24 times the monthly benefit) depending on your individual needs.
  • Premiums may be tax deductible
  • Benefits start as early as 30 days from the date of your disability
  • You can purchase coverage between the ages of 18 and 69

You don’t want to allow a personal disability to disable your business as well!

  • Benefits over $5,000 only available to classes AA and Exec

HEALTH AND DENTAL PLAN

What is it?

If you don’t have coverage under a group benefits plan, or you’re losing coverage, an individual health plan can help ensure you and your family have access to prescription drug, dental, hospital, vision, paramedical and ambulance services. Better yet, these plans have no termination age.

How does it work?

Individual plans cover you and your family for many of the services not covered by your provincial health care plan. In fact, coverage provided is similar to that of a group benefits plan.

GROUP PLANS 

Affordable group health and dental plan for your corporation.

Minimum members requirement: 

2 member, for 5 or more members (you can pick and choose benefits: conditions apply)

No medical underwriting required.  No waiting period to get the benefits

No restriction on adding or removing employees.

Premium is tax deductible.

For more details:  

call 416-822-9709

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Email: info@fcglobal.ca

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Living Benefit

Disability Insurance Canada

Non Medical Life Insurance

Dental Benefit Canada

Health & Dental Insurance

WHY PEOPLE USE LIFE BENEFITS?

They can be contracted with charge to credit or debit card (direct debit) in the different forms of payment. They offer protection against devaluations, conserving the purchasing power. The medical selection is very simple. Its issuance is quick and easy, through a single call.

They give the possibility of choosing between different contracting periods (short, medium and long term), currencies (national, dollars and UDIS) and growth in the sum insured. Its renewal is automatic for the short and medium term (1 and 5 years).

BEST TIME TO ACQUIRE LIFE BENEFITS:

The best time to sign up for Life benefits, according to our suggestion is during a period when you have guaranteed protections – either under federal law or your state’s laws – to buy a policy without the insurance company being able to refuse coverage or charge you premiums more, based on your past or current illnesses. These protections may vary, based on your age and where you live.

IF YOU BUY INSURANCE, LIFE BENEFITS FACILITATE YOU

GET FREE EVALUATION TODAY

WE ARE HERE TO ASSIST YOU EVALATE YOUR OPTIONS

We never know what lies ahead of us. Therefore, it is better to purchase insurance policy after our evaluation and get free from all hassles. We can do all hassle and advice you the best choices regarding life benefits, suiting needs of you and your family. The amount of life insurance Canadians choose:

Life Insurance Broker Canada
30%

Less than
$100,000

Life Insurance Quotes Online
31%

$100,000
$249,999

Medical Insurance For Super Visa
20%

$250,000
$499,999

Affordable Life Insurance Canada
10%

$500,000
$999,999

fcglobal

We are a growing broker company in Canada, which can help you in comparing and arranging range of reasonable and affordable insurance services, offered by renowned companies.

416.822.9709
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What type of Life Benefits can be availed?

We compare and suggest you the best Life Benefits options which you can avail

Insurance policy offers you some advantages throughout your life.

$5.1 billion is paid on an average to living policy holders as dividends or disability benefits

Pre-existing diseases are covered in our policy

$11.0 billion for prescription drugs that account for 35% Canadians

How to buy life benefits in Canada?

Depending on your life circumstances and income level, you can purchase independently or part of the costs is borne by the state

In Canada, some life benefits are free for all citizens.

Certain provinces establish waiting period of 3 months after arrival. During this time, we suggest our customers to buy life benefits from Insurance companies.

Why should you purchase life benefits as per our suggestions?

Our life insurance policy comparison is done to cover your needs, whether you are young or old. Our system is simple, affordable and beneficial for all Canadians and is designed, keeping in mind the most important requirements in insurance claims by insurance companies.

Frequently asked questions

What type of policy should I buy?

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What is classed as a pre-existing medical condition and can I be covered?

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What information do I need to run a building and contents insurance quote?

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What kind of insurance should I get?

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I am having problems completing payment, why?

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How can I save on my home insurance?

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