2 Accidents And Illnesses Are Facts Of Life. They Can Happen To Anyone At Any Time.

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Presentation transcript:

2 Accidents And Illnesses Are Facts Of Life. They Can Happen To Anyone At Any Time.

3 Lets Consider The Following: What do you think your chances are of becoming disabled for 90 days or longer at least once prior to age 65? 1 in 3 The average length of a disability which lasts over 90 days is? 2.9 years Sources: 1985 Commissioners Disability Table A (Experience Table) & CIA Aggregate Mortality Table.

4 Its Like Your Future Is Hidden Behind One Of Three Doors. Two of them lead to good health. The other leads to disability. Pick the wrong door and you lose. Are you willing to play those odds? Can you afford to let that happen?

5 Of 1,000 Males Or Females, How Many Will Be Disabled For 90 Days Or More Before Age 65? Sources: 1985 Commissioners Disability Table A (Experience Table) & CIA Aggregate Mortality Table.

6 In A Year What Are The Odds Between Death And A Disability That Lasts At Least 90 Days? Sources: 1985 Commissioners Disability Table A (Experience Table) & CIA Aggregate Mortality Table.

7 Consider Your Future Income Assuming a 2% raise each year, these are your potential earnings up to age 65.

8 Which Job Would You Rather Have? JOB A $35,000 income while you are working. $0 if you are unable to work. JOB B $34,000 income while you are working. $24,000 tax-free if you are disabled.

9 If You Became Disabled Today, Could You Afford To: Pay your mortgage or your rent? Buy food? Pay your utilities? Make car payments? Make other loan payments?

10 What Are Your Options? Liquidate some or all of your assets? Use your personal savings? Surrender your RRSPs? Apply for a personal loan? Depend on your spouses income? Borrow money from your family and friends?

11 What Are Your Solutions? Workers Compensation? Employment Insurance? Canada Pension Plan (CPP/QPP)? Group Insurance or Association Plan? Individual Disability Plan

12 Assets You Insure Today? Your Home? Your Vehicles? Other Assets? Your Ability To Earn An Income?

13 You Couldnt Afford A Car If You Didnt Have An Income… BUT ITS PROTECTED!

14 You Couldnt Make Payments On Your House If You Didnt Have An Income… BUT ITS PROTECTED!

15 In Fact, You Might Have To Part With Some Of Your Possessions If You Didnt Have An Income... BUT EVEN THEY ARE PROTECTED!

16 Your Ability To Earn An Income Is One Of Your Most Valuable Assets. Why not insure it?

17 About Great-West A leading life and health insurer in Canada. With more than 60 years of experience in the disability insurance market, Great-West has established a solid reputation for providing quality products and services. Received superior ratings on its claims paying ability or financial strength from the major rating agencies.