At Innovative Insurance Agencies, we have the insurance plan that is right for you. Take a look at some of our plans & benefits below and call or request a free, no obligation quote today!

Choose a plan that meets your needs.

Protect your income if you become disabled and can’t work. Innovative knows that self-employed individuals and other working Canadians can have difficulty purchasing a disability protection plan at a reasonable cost. That’s why we offer specialized personal accident and sickness compensation plans for small business owners, full-time, part-time, and home-based workers.

If you become totally or partially disabled due to an accident or sickness, our specialized plans offer flexible coverage that provides you with a monthly benefit for income replacement, funding for medical costs and income/business expense coverage if you are self-employed.

Tax free benefits are paid directly to you and premiums are based on your age and the monthly benefit you qualify for (based on gross personal income and/or business income if self-employed).

It’s easy to qualify

The plan is designed to provide guaranteed to issue accident coverage provided you satisfy two (2) qualifying questions. Benefits of up to $6,000 per month are available to age 64 for both accident and sickness protection, and up to $4,000 per month for ages 65 to 68. No medical tests at the time of application. No proof of income required for benefits up to $2,000 per month. The premiums are affordable with reduced rates for those with W.S.I.B. coverage. There are no totally uninsurable occupations.

In addition to individual coverage, we also offer coverage to couples and families. Issue ages from 5 to 80, and is renewable all the way to age 90! For only a few cents a day, we have the perfect solution for individuals who are non-working such as students, at-home, unemployed, and seniors. Protection 24 hours a day, at home, work or play, anywhere in the world.

Key features of the plan


  • Accident coverage 24 hours a day – not just at work.
  • Accident Disability benefits begin from the very first day.
  • Total Disability benefits are available up to $6,000 per month.
  • Simple income qualification.
  • Pays up to $2,000 per month in addition to any other benefits you may receive.
  • Coverage is guaranteed renewable to age 90.
  • Assumed disability benefit if you suffer a permanent loss of sight, hearing, speech or limbs due to an accident. Benefit paid regardless if you are able to work or perform routine daily activities. Care and attendance of a physician is not required.
  • 3 times the last monthly claim benefit if you die while on claim.
  • Accident hospitalization benefit of $100 per day (up to $3,000 per month).
  • Ambulance benefit of $100 per accident.
  • Partial disability benefits included.
  • Increasing built-in accidental death benefit.
  • No medical exam required at time of application.
  • Off the job coverage available.
  • Premiums are waived after 1 continuous month of Total Disability, while you are receiving Total Disability benefits.
  • For your convenience, premiums can be easily paid through your chequing account or by credit card.

Other coverage options.

Choose the level of coverage that is just right for you. We can help you customize your coverage with these options:

  • Sickness disability options available up to $6,000 per month
  • Premium Refund and Return of Premium on Death options
  • Sickness hospital options available
  • Critical Illness
  • Supplementary health coverage
  • Accidental fracture coverage
  • Accidental death and dismemberment
  • Accident Excess Medical which reimburses select hospital room, drug, vision, and dental care, paramedical, nursing services, medical supplies and claim form expenses, incurred as a result of an accident
  • Cancer Protection

Have a question we didn’t answer? Contact us Today!