PERSONAL ACCIDENT & DISABILITY INSURANCE

Our job is to ensure the necessary funding to meet our daily needs. Its temporary or total loss due to an accident, could disable us from meeting our daily needs, if we don't have a personal accident and disability insurance.

What happens if you can’t work?

How would you…

  • make monthly mortgage or rent payments?
  • make car payments?
  • pay for food, utilities and other daily expenses?
  • provide for your children’s education?
  • save for the future?

Some questions to think about indeed. While it’s routine to insure your car, home, liability and often your life, it’s all too common that people don’t take steps to protect their income. One reason for this is that it’s something no one wants to think about happening.

Choose Consensus for your personal insurance coverage and offer yourself and your family a long lasting security.

A benefit of having your own disability insurance, in addition to any group disability income protection that your employer might provide, is that your own policy will follow you if you change jobs. An employer provided policy is cancelled when you leave the company.

The best way to protect yourself and those who rely on you is to understand available disability insurance options and what protection you may already have before an accident or serious illness occurs and put a plan in place that can provide financial support.

A Consensus insurance associate can assist you in reviewing what you already have and suggest ways to improve your protection. Email, call or visit us – don’t wait until something happens.

Other issues to consider and understand:

  • Does the policy cover both illness and accident ?
  • Will my disability benefit amount adjust for inflation?
  • Can you receive partial benefits if you can work but not full-time or at the same capacity?
  • Will the disability insurance benefits impact other benefits such as social security, worker’s compensation, etc.?
  • Will the premium be fixed or can it increase over time?

PERSONAL INSURANCE SERVICES

LIFE AND HEALTH INSURANCE

PERSONAL ACCIDENT & DISABILITY INSURANCE

MOTOR INSURANCE

PROPERTY INSURANCE

PLEASURE CRAFTS & YACHTS INSURANCE

THIRD PARTY LIABILITY

LEGAL EXPENSES

Let us guide you in creating your personal safety net.
Inquire about the benefits of personal accident and disability insurance
Speak to one of our representatives and discuss your insurance needs.