Despite being fit and leading a healthy lifestyle in 2006 (when my wife Roxanne was still going through treatment for breast cancer) I was diagnosed with a rare blood-clotting disorder called Budd-Chiari syndrome. This led to spending a total of almost 10 months at the University of Alberta Hospital in Edmonton while Roxanne’s mother looked after our two children in Calgary. I was very grateful and fortunate to receive two life-saving liver transplants. One doctor estimated that my medical costs exceeded $6 million dollars; however, being in Canada we of course didn’t receive the bill.
My wife and I are both back to excellent health (myself since the fall of 2007). I feel that our story is a very good case study regarding the importance of considering Disability & Critical Illness Insurance as we both have our own Disability Plans, which made a huge difference when I missed almost a year and a half of work, with my wife by my side the entire time.
In particular, I have found that the self-employed often overlook the importance of Disability Insurance, especially when changing from full-time employment where they have had Group Insurance over to a contracting position. This is something I fully understand and can relate to.
I’m independent, meaning I have no connections to any particular insurance company—my only bias as an advisor is in favour of your best interests.
I will help you determine your insurance needs, and on your behalf will shop for a product that meets those needs as well as your budget.