Accidents and Sicknesses happen every day! What would you do if it happened to you?

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. With the Edge Benefits, you can have benefits based on your Gross Business Revenue or Net Earned Income, depending on how you get paid.

Sometimes a disability affects your ability to work part of the time. That's when Partial Disability can help by paying 50% of the benefit amount for up to 180 days.

While you are disabled and benefits are being paid, you are not required to pay premiums and your coverage will continue.

Speak to an Advisor to find out more about the importance of protecting your income should you become unable to work due to an injury or illness.

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 12 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

Travel Medical Emergency Coverage

When you travel out of your province, your provincial plan does not cover all potential expenses you may incur if you become ill or are injured while away.

The cost difference between the amount covered by your provincial plan and the amount charged by a hospital or health care provider can be devastating. Having the proper Travel Emergency Medical Plan could save you years of distress.

Travel Medical Emergency Coverage provides you with peace of mind when you travel anywhere in the world by providing you with Emergency Assistance Service 24 hours 7 days a week. When an emergency happens, you'll know where to go to get the help needed.

The Edge Benefits provides up to $5,000,000 of coverage for reasonable and customary medical expenses as part of the emergency treatment arising from a medical condition.

Travel Plus Medical Emergency Coverage

• Annual plan only
• Non-trucking occupations

Use this helpful guide, designed to help you understand travel health insurance and your what your supplementary coverage options are when you travel out of province or outide of Canada.

Getting Life Insurance doesn't get any easier than this!

Your Acceptance is Guaranteed!

No medical exam or health questions asked!

This guaranteed issue life insurance plan is perfect for covering the cost of final or funeral expenses in the event of your death. You don't want to leave your loved ones the financial burden of unforeseen expenses.

Available for ages 18 to 69, coverage to age 75

Benefits up to $50,000

A Plan designed with the Trucker in Mind!

Accidents and Sicknesses happen every day! What would you do if it happened to you?

Roadside is a package of benefits designed to provide you with protection should you become unable to work due to a disability.
Benefits, such as Loss of Income, which are paid monthly for the period of time you are disabled up to the maximum amount of time allowed in the policy contract.
Traditional disability plans protect "Earned Income" yet your objective through tax planning is to show as little earned income as possible. We know your lifestyle income is not your earned income. This is why benefits can be based on your Gross Business Revenue.

• Roadside Loss of Income provides benefit amounts between $1,000 to $5,000 per month
• You can have 24 hour coverage or Non-Occupational only.
• Payable from the FIRST DAY, to age 70

Sometimes a disability affects your ability to work part of the time. That's when Partial Disability can help by paying 50% of the benefit amount for up to 180 days.

While you are disabled and benefits are being paid, you are not required to pay premiums and your coverage will continue.

Being approved for Critical Illness insurance can sometimes be difficult. It often depends on your health, or the history of your family's health.

With the EDGE's Critical Illness Plan it's not complicated at all. EVERYONE can have coverage, regardless of your current health, or your family history. There are no medical questions asked.

Suffering a critical illness is more common than you think.

THIS YEAR ALONE:

• 150,000 Canadians will suffer a heart attack
• 145,500 Canadians will be diagnosed with cancer
• 50,000 Canadians will have a stroke

Other Statistics to keep in mind

• 1 in 20 Canadians will run the risk of having a stroke before age 70
• 60% of the 50,000 strokes each year are suffered by women
• 1 in 4 men will have had either a stroke, heart attack or cancer before age 65
• Every day 3 more Canadians are diagnosed with MS

Surviving a critical illness is more common than you think.

• 80% of hospitalized heart attack patients survive*
• 80% of stroke patients survive the initial event
• most people diagnosed with MS are expected to live a normal lifespan

Accidents are the leading cause of death and disabilities in Canada today, especially in your younger years.

The immediate impact is devastating and the financial effects can be long lasting. It is important to protect you and your family from this hardship when an accident happens to you.

The EDGE's Accidental Death and Dismemberment plan is an affordable way to provide you with coverage that pays a tax free lump sum amount of up to $300,000 in the event of an accidental death or other specific losses such as Paraplegia, Hemiplegia or Quadriplegia. A percentage of the benefit is paid for other losses listed in the policy.

Being self-employed gives you the freedom to shape your future and lifestyle. The disadvantage is not having a company paid medical plan for costly out-of-pocket expenses.

Having your own medical plan is a smart way to fill the gap between those medical expenses that occur, but are not covered by a government health plan.

• You can choose to have health only or health and dental coverage.
• Issue ages 18 - 69, coverage to age 75
• Single, Couple or Family plans available

Did you know that fractures make up almost 50% of all our injury claims!

The EDGE Fracture Accident Benefit is a fabulous way to ensure you and your family are protected from a loss associated with an accident that results in a fracture. Unlike disability coverage, you are not required to be unable to work in order to claim for your fracture benefit and no proof of income is required.

A TAX FREE lump sum payment!

Coverage is applicable to any accident, anywhere in the world, 24 hours a day.

Your benefit is paid in addition to any other coverage you may have.

Issue ages 18-64 and coverage to age 70