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Disability Insurance

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Life & Financial Insurance Disability Insurance

Ontario Disability Insurance– Free Quote Online

If you earn an income, you need an income replacement plan. Insuring your income or the ability to work is a fundamental element of financial planning. It helps to establish the base upon which all other financial planning depends.

Where would the money come from if you became disabled and couldn’t work for six months or longer?

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RRSP and personal savings

Would you be willing to liquidate any portion of your retirement savings for the purpose of meeting basic lifestyle needs? Did you know that if you saved five per cent of your income each year, it’s possible that you could wipe out 10 years of savings in just six months? Would a withdrawal from savings affect your financial independence in your retirement years?

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Loans and credit

If you can borrow money from family and friends, you’re lucky. But would you really want to? What if you had to rely on a financial institution? Many banks are reluctant to lend money to someone without an income and if they do, may impose harsh loan terms and conditions.

Spousal income

Could your family maintain its standard of living based on one income alone, in the face of potentially higher costs for things like child care, health care, and home renovations? Would that financial stress put unnecessary strain in your relationships at a time when you need those relationships the most?

Sale of assets

What would be the consequences of having to sell your home or other assets? Would you receive fair market value?

Disability insurance can help with one of the most fundamental elements of financial planning by providing a regular flow of cash if you become disabled. It can help you meet everyday expenses and protect the standard of living you are used to.

Speak to one of our Financial Services Representatives today about the various types of disability insurance plans that are available and what would best fit your situation.

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Areas We Serve

  • Arnprior
  • Bancroft
  • Barrie
  • Barry’s Bay
  • Belleville
  • Brighton
  • Brockville
  • Carleton Place
  • Cobourg
  • Cornwall
  • Courtice
  • Crysler
  • Eganville
  • Embrun
  • Gananoque
  • Kemptville
  • Kingston
  • Madoc
  • Midland
  • Morrisburg
  • Napanee
  • North Bay
  • Orillia
  • Oshawa
  • Ottawa
  • Parry Sound
  • Pembroke
  • Penetanguishene
  • Perth
  • Petawawa
  • Peterborough
  • Picton
  • Prescott
  • Prince Edward County
  • Sudbury
  • Trenton
  • Wellington
  • Winchester

What Our Customers Are Saying

Andreas Saucier-Politakis

Great service and pricing. Blake Trickey is there to help you and makes sure you have no surprises. They are honest and easy to work with which is more than you can say for most insurance companies. I would not hesitate to recommend them.

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David Craig

I would strongly recommend this company. I deal with McDougall Bickerton insurance for my two office locations. They understand my needs in regards to coverage for commercial ventures. They are friendly and knowledgeable.

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Braden Miller

The service provided by Glenn Haarbosch and DLK Insurance has been nothing but exceptional. He makes every effort to ensure that our company is well looked after in terms of insurance and bonding requirements. Always available when needed and would definitely recommend to others!

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Stefanie Deschamps

I have used McDougall insurance for the past few years for all of my insurance needs and have found them to be a fantastic company. I have never been disappointed! In the past year I have dealt with Mike Cunha as my broker and have received exceptional service. Always extremely helpful and quick to return phone calls and emails. I highly recommend Mike and McDougall Insurance and have referred them to a number of my friends and family members.

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