High Income top-ups We can offer much higher replacement ratios for disability policies on high income individuals.  Whether you require additional income replacement coverage or disability buy-sell, key person, or business/professional overhead insurance, we can offer greater limits than offered by regular market insurers. Executive Disability Insurance after age 65 Many executives continue to work past age 65, when their group LTD expires.  We can offer coverage to executives working past the age of 65. Disability insurance for executives traveling or working outside Canada We can obtain disability insurance for Canadians living or traveling anywhere in the world!  We can provide coverage for a multitude of scenarios:

• Employees/executives who are living/working in foreign location for a period of months or years For example a 45 year old consultant, taking a 3 year contract in Belize or a 60 year old geologist working/living in Mexico
• Employees based in Canada but travel extensively to various parts of the world For example Sales executives that travel extensively
• Foreign work rotations (typically resource sector, e.g. oil, mining) For example a drilling foreman, working in Ukraine on 28 day rotations (28 days in Ukraine and 28 days home)

Contact Us for more information on Executive Benefits!