Disability Insurance-Living Benefits
Premium depends upon profession, covered benefit amount and elemination period.
Elemination period could be 0, 30, 90, or 120 days
Longer the elemination periond lower the premium
Business over head, accidental death insurances, and out of province medical coverages are optional
Three types of insurances are offered; Own Occupation, Regualr Occupation Or Any Occupation
On disability  monthly benefits are paid
Coverage could be for Short Term or Long Term
Coverage is available upto the age of 70
Offeres partial diability and waiver of premium
Accident medical benefit are included 
Pre-existing conditions not covered
Covered Benefit is calculated according to insured income
Premiums are tax deductible as business expense

For further information or to clarify any point
email: asif@asifjaved.com