Premiums are influenced by your job (some occupations are riskier than others), health status (pre-existing conditions or lifestyle choices like smoking), and the specifics of the coverage chosen, such as benefit amount and policy duration.

This is the time between an injury and when benefits start. Choosing the right waiting period is crucial; shorter periods increase premiums, but longer periods mean you’ll need sufficient savings to cover expenses during the wait.

Yes, policies can often be tailored with riders that address risks unique to certain professions, especially in regions like Brampton and Mississauga. This ensures coverage is more closely aligned with your job’s specific risks and benefits.