Living Benefits Coverage for Canadians
Financial Protection
When Your Health
Interrupts Your Income
An illness, injury, or hospital stay can affect more than your health — it can impact your income too. Explore Disability, Critical Illness, and Hospitalization Insurance options designed to help Canadians stay financially prepared for the unexpected.
Who Am I & How I Help
Living Benefits Built Around Your Life
Ghazale Moghaddam helps Canadians protect their income and financial stability when illness or injury interrupts everyday life. She takes the time to understand your needs and helps you explore coverage that fits your family, lifestyle, and budget.
• Coverage tailored to your unique needs and budget
• Disability & Critical Illness coverage options
• Protection solutions for families and self-employed Canadians
Protection for Life’s Unexpected Moments
Living Benefits Protection for Canadians
Living Benefits insurance can help protect your income and financial well-being when an unexpected illness or injury affects your ability to work. Ghazale Moghaddam helps Canadians explore coverage options that fit their individual needs, lifestyle, and budget.
Disability Insurance
Helps replace a portion of your income if an illness or injury prevents you from working.
Critical Illness Insurance
Provides a lump-sum benefit if you’re diagnosed with a covered critical illness.
Accident Insurance
Provides financial support for covered injuries and eligible expenses resulting from an accident.
Income Protection
Helps protect your financial stability when an illness or injury affects your ability to earn an income.
Self-Employed Coverage
Living Benefits solutions designed for business owners and self-employed Canadians who depend on their income to maintain their financial stability.
Family FinancialProtection
Helps protect your family’s financial well-being when an unexpected illness or injury disrupts everyday life.
1-on-1
Personalized Guidance
3+
Expert Core Living Benefits SolutionsAdvisors
24/7
Protection That Works Around the Clock
100%
Focused on Your Needs
FAQ
Frequently Asked Questions
What is Living Benefits Insurance in Canada?
Living Benefits Insurance provides financial protection while you are alive if a covered illness, injury, or disability affects your health or ability to work. Depending on the policy, benefits may be paid as a lump sum or ongoing payments.
What is the difference between Disability Insurance and Critical Illness Insurance?
Disability Insurance can replace a portion of your income if an illness or injury prevents you from working. Critical Illness Insurance generally provides a lump-sum payment if you are diagnosed with a covered critical illness and meet the policy requirements.
Do self-employed Canadians need Disability Insurance?
Self-employed individuals may have limited or no employer-sponsored disability benefits. Disability Insurance can help protect a portion of their income if a covered illness or injury prevents them from working.
What can Living Benefits Insurance help pay for?
Depending on the type of coverage, benefits can help with everyday living expenses, mortgage or rent payments, bills, recovery-related costs, and other financial obligations while dealing with a covered illness or injury.
How much Living Benefits coverage do I need?
The appropriate amount depends on factors such as your income, monthly expenses, existing insurance, savings, debts, family responsibilities, and budget. A needs analysis can help determine which coverage options may be suitable for your situation.
Protect your income and financial stability with Living Benefits coverage designed to support you when illness or injury disrupts everyday life. Personalized protection for you and your family, when it matters most.
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