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Disability Insurance Quote

Monthly Income: the amount you receive each month (tax free) while on claim. The maximum is approximately 2/3 of your income.

Waiting period: the time delay between becoming disabled and receiving the first cheque. The reduction in premiums between a 30 to 60 to 90 day waiting period is very pronounced, whereas a change from 90 to 120 day waiting period is relatively minor. This usually makes the 60 to 90 day waiting period the most economical choice.

Maximum time on claim: the length of time that you can receive disability payments after you first go on claim. It is not the length of time you are insured for Disability Insurance; it is the length of time you derive an income during disability.

Any occupation: the most restrictive definition of disability. Only when you are unable to perform any occupation whatsoever can you collect on your disability insurance.

Regular occupation: a moderately restrictive definition of disability. You must be unable to perform the duties of your job as it is normally performed, resulting in a loss of income of a certain percentage.

Own occupation: the least restrictive definition of disability. You can go on claim when unable to perform your own occupation, even though you can still perform other jobs and earn as high or higher an income than before your injury. This form of disability insurance is typically only available to "white collar" workers.

Optional Benefits

Return of Premium: refunds 70% of the premiums paid every 8-10 years. It also pays at death or policy expiry. These funds may be taken in cash, used to reduce future premiums, or both.

Cost of Living: increases your coverage annually to keep up with cost of living increases.

Guaranteed Future Additional Insurance: allows you to purchase additional coverage in the future, without having to prove your health.

Your Information:

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2nd Person's Information:

Does he/she want a Waiver of Premium:
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Where to send the quote:

Your quote will be sent to this email address.
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Privacy Policy

Our Online Privacy Pledge

To preserve your privacy, we pledge to...

  1. Collect only the information we need to provide information about insurance products and prices available to you.
  2. Protect against unauthorized access to your information.
  3. Refuse to disclose your personal information to third parties for marketing purposes.
  4. Require companies that help us service you to protect your information in accordance with strict privacy standards.
  5. Refuse to sell your information to outside mailing list companies or telemarketers.
  6. Maintain up-to-date privacy notices on our site.

What information is collected?

  1. Insurance-related information: This includes some personal information necessary for providing a quote (e.g. gender, health, tobacco use), as well as information on the type and amount of insurance you desire (e.g. type of insurance, amount of coverage desired, length of term desired, etc.).
  2. Contact information: Information needed to respond to your inquiries (e.g. name, email address, phone number).
  3. Miscellaneous information: Time and date you submitted the form, website you used when asking for the quote. No information is gathered from your computer.

Who sees and uses the information?

  1. Your insurance advisor. When you submit a quote, you are given the contact information of one of our insurance advisors. This person becomes your personal advisor, who can answer all of your questions and provide informed advice. Your advisor will also be licensed in your area, so will be able to handle all of your insurance needs.
  2. CLIC Head Office. Should you need it, our head office is also available to respond to your inquiries. There is always a licensed advisor available who can provide quotes or answer questions. For CLIC Insurance Services Inc.'s Head Office, call (toll-free) 1.877.830.7000.

How is this information used?

  1. Insurance and personal information: Your insurance and personal information is used by your advisor to prepare a quote. If you continue with purchasing insurance, the information may also be used when completing the application form.
  2. Contact information: Immediately after submitting a quote, your email address is used to send a confirmation email containing your reference number and your advisor's contact information. Contact information gathered in a quote form is used by your advisor to respond to your inquiries. If further information is necessary to prepare an accurate quote, they may email or call to collect the missing information. They may also contact you to see if you have any questions, or to see if they can be of any further assistance.
  3. Miscellaneous Information: May be used to collect statistics, such as website usage, or advisor response time. Your personal, insurance, and contact information is neither used nor recorded in these statistics. Results are used to improve the functionality of our websites and the service of our advisors.

Is any of the information disclosed to others?

No. Your information will never be given to third party vendors. Your insurance and contact information is used used solely by your advisor or by CLIC Head Office to respond to your inquiries.

Will I receive any future correspondence?

No. Your email address and telephone number are not used in any contact lists, so you will not receive any future correspondence.

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