Vital Shield Risk Advisory logoVital ShieldRisk Advisory

Alberta · Ontario · British Columbia

Income protection for realtors and commission earners

Commission income is irregular. Sick pay may not be there.

Commission schedules can make cash flow uneven, and time away from clients can affect future earnings. A review considers income history, practice expenses and any association or personal coverage.

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Where your plan can be exposed

  • Commission can vary month to month and between seasons.
  • There may be no employer sick-pay benefit.
  • Marketing, board and business costs may continue while you are unable to work.

A clear, three-step review

  1. 01

    Review commissions, available income records, reserves and recurring costs.

  2. 02

    Compare any association or employer plan with personal coverage and its exclusions.

  3. 03

    Discuss options across carriers and how definitions and waiting periods work.

Coverage areas to explore

Income & Living Benefits

Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.

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Group Benefits & Business Protection

Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.

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Risk & Retirement Advisory

A structured review of retirement, cash flow, debt, registered savings and protection for complex family or business situations.

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Questions and answers

Can variable commissions be considered for coverage?

Insurers may assess income and documentation using their own rules. Eligibility and benefit amounts depend on underwriting.

Can business expenses be covered separately?

Some contracts address specified eligible overhead expenses; those benefits are distinct from personal income replacement.

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.

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General information only; not tax, legal or investment advice.