Income & Living Benefits
Critical illness, disability, hospitalization and life protection built around the income your household or business depends on.
Alberta · Ontario · British Columbia
Hurt on the job: what pays the bills while you recover?
Is this you? A tradesperson, contractor or freelancer with no sick pay or group plan.
Most self-employed people can't claim EI sickness benefits unless they opted in ahead of time, and there's no group plan to fall back on.
For independent tradespeople, contractors and freelancers, we review income, fixed commitments and work duties before comparing living-benefit, health and business options.
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.
Tap to call (587) 320-6956Where your plan can be exposed
- Income may stop immediately during an illness or injury.
- Household and business expenses can continue through recovery.
- Occupation definitions and income evidence vary by insurer.
A clear, three-step review
- 01
Map earnings, reserves, household costs and eligible business expenses.
- 02
Review actual duties, existing plans and the conditions that trigger benefits.
- 03
Compare eligible Canadian-carrier options and explain the trade-offs.
Coverage areas to explore
Group Benefits & Business Protection
Group benefits, HSA/WSA, overhead protection and ownership continuity for solo corporations, employers, startups and established businesses.
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
Can physical work qualify for income protection?
Some options may be available. Insurers assess actual duties, income, health and other application details differently.
Can a solo operator use an HSA?
An incorporated owner may have eligible options. Plan structure and tax treatment should be confirmed with qualified professionals.
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.