Income & Living Benefits
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Alberta · Ontario · British Columbia
Before you retire: what happens to your income plan if health changes?
Is this you? Within about ten years of retirement and wanting your income plan checked.
A disability or serious illness in your last working years can change your retirement date and your income plan.
We look at what would happen to your income if you could not work before your planned retirement date, and how you want to leave things for your family. Plain language, no pressure.
The Risk Assessment is a free educational questionnaire about your income, existing protection, business and planning priorities. It adapts to your answers: 15–19 questions, with no medical questions. Allow about 5 minutes (estimated; take longer if you need).
You'll get your score and a call offer, not a sales pitch. The current Calendly session is 60 minutes.
Free · about 5 minutes · no medical questions · you get a Protection Score and a call offer, not a sales pitch.
Where your plan can be exposed
- A disability late in your career can stop your paycheque before you planned to stop working.
- A critical illness can bring costs and time off that your plan did not expect.
- Without a plan for your legacy, your family may face delays, costs or difficult decisions.
A clear, three-step review
- 01
Review retirement timing, expected income, assets, obligations and existing coverage.
- 02
Walk through what happens if illness or disability arrives before retirement.
- 03
Explain suitable protection and legacy options, and involve your lawyer or accountant where needed.
Coverage areas to explore
Newcomer & Everyday Coverage
Plain-language guidance on travel, health and dental coverage, including options for newcomers and people without a complete workplace plan.
Questions and answers
Why review protection before retirement?
A review can show how illness, longevity or a death would affect retirement income and family plans while there may still be time to adjust.
Is it too late to get coverage in my 50s or 60s?
Not always. Options depend on your age, health and insurer underwriting, and approval is not guaranteed. A review shows what may still be available.
Next step
See where your protection and planning gaps may be
Coverage is subject to underwriting, policy terms and carrier approval. General information only, not financial, tax or legal advice.
Shashank Gupta · Founder & Principal Advisor
LLQP-qualified, Licensed Life and Health Advisor in Alberta, Ontario and British Columbia
Prefer to talk? Book a Risk Audit session with Shashank
Skip the assessment and start with a conversation about your priorities. Educational, no obligation to apply for coverage.
General information only; not tax, legal or investment advice.