COVERALL helps you understand your protection, identify potential gaps, and explore options built around your life, income, family, and budget so you can feel better prepared for the unexpected.

Life doesn’t always go according to plan.

You can work hard, make good decisions, build a career or a business, raise a family and still find yourself facing something you never expected.

An accident. An illness. A diagnosis. Time away from work.

Those moments don’t just affect your health. They can affect your income, your savings, your family and the life you’ve worked hard to build.

That’s where COVERALL comes in.

We believe protection should be built around real life, not the other way around.

It should make sense for the way you work, the people who depend on you, the things you enjoy and the financial responsibilities that don’t disappear when life takes an unexpected turn.

COVERALL is about helping you understand your options, identify potential gaps in your existing protection and build coverage that fits your individual needs and budget.

Because protection isn’t about expecting something bad to happen.

It’s about being prepared if it does.

Protect What Matters.

REAL LIFE DOESN’T FIT INTO A BOX

No two lives look exactly the same.

Some people work Monday to Friday. Others run their own businesses, work seasonally, travel for work, manage a farm, raise a family or build their schedules around clients and contracts.

Some people spend their weekends at home. Others would rather be outside, travelling, exploring or enjoying their favorite recreational activities.

That’s real life.

And protection should recognize that.

COVERALL takes a lifestyle-first approach to protection. Instead of starting with a product, we start with a conversation.

What does your life look like?

What happens financially if you’re injured?

What happens if you become sick and can’t work?

How long could you comfortably manage without your regular income?

What protection do you already have?

Where could there be gaps?

What would you want in place for yourself and your family if something unexpected happened tomorrow?

Sometimes people discover they’re already well protected in certain areas. Other times, they realize the coverage they assumed they had may not provide the financial support they expected.

Understanding the difference matters.

YOU MAY ALREADY HAVE COVERAGE. THAT’S A GOOD THING.

COVERALL isn’t about replacing good protection.

It’s about understanding what you already have and determining whether there are areas where additional protection could make sense.

You may have coverage through your employer, a spouse or partner’s benefits, provincial health care, Workers’ Compensation, disability benefits or another insurance policy.

Those programs can provide valuable protection.

But different types of coverage are designed to do different things.

Your provincial health plan may help cover eligible medical care, but it doesn’t pay your mortgage.

Your workplace benefits may help with certain medical expenses, but they may not replace all of your income.

Workers’ Compensation may provide benefits for eligible workplace injuries, but life doesn’t only happen while you’re working.

That’s why we look at the bigger picture.

The question isn’t simply:

“Do I have insurance?”

A better question is:

“If something happened to me, how would the protection I have actually work?”

That conversation can uncover gaps you didn’t know existed — and sometimes it confirms that you’re already in a strong position.

Either way, knowing is better than guessing.

ACCIDENTS HAPPEN IN ORDINARY MOMENTS

We tend to imagine accidents as major, dramatic events.

In reality, many injuries happen during completely ordinary moments.

Working around the house.

Walking across an icy parking lot.

Playing with your kids.

Doing yard work.

Travelling.

Enjoying a weekend away.

Taking part in recreational activities.

Sometimes it’s a fracture. Sometimes it’s stitches. Sometimes it’s an ambulance ride, surgery or a hospital stay.

The injury itself can happen in seconds.

The financial impact can last much longer.

Depending on the coverage selected and the terms of the policy, accident protection can provide cash benefits following covered accidental injuries and related treatment.

Those benefits are designed to give you additional financial support while you focus on getting better.

And because benefits are paid directly to you, you decide where that money is needed most.

Maybe it helps with household expenses.

Maybe it covers travel, parking or meals while receiving treatment.

Maybe it helps compensate for missed work.

Maybe it simply means you don’t have to pull as much money out of savings.

That flexibility is one of the reasons accident protection can be an important part of a broader financial safety net.

CASH BENEFITS GIVE YOU CHOICES

One of the most important things to understand about supplemental protection is that cash benefits can be used differently from traditional medical insurance.

When a covered event occurs and a benefit is payable under your policy, the benefit is paid directly to you.

That matters because an injury or illness can create expenses that have nothing to do with the doctor's bill.

Your mortgage or rent still needs to be paid.

Groceries still need to be bought.

Vehicles still need fuel.

Utilities keep arriving.

Kids still have activities.

Businesses still have expenses.

And if you need to travel for treatment, there can be additional costs for transportation, accommodation, meals, parking and time away from work.

Recovery has a financial side that people don't always think about until they're living through it.

Cash benefits give you the freedom to decide where the money can help your household most.

YOUR INCOME MAY BE ONE OF YOUR BIGGEST ASSETS

Think about everything your income pays for over the course of a year.

Now think about everything it will pay for over the next ten, twenty or thirty years.

Your ability to earn an income may be worth considerably more than your vehicle, your equipment or many of the other things you've taken steps to protect.

Yet income protection is something many people overlook.

For employees, there may be disability coverage available through work.

For self-employed individuals, contractors and small business owners, the situation can look very different.

If you don't work, you may not get paid.

And unfortunately, your expenses don't automatically stop because your income does.

Disability and income protection can help provide financial support when a covered injury or sickness prevents you from working.

It's not about replacing everything.

It's about creating breathing room.

Having money coming in while you're recovering can mean the difference between focusing on getting healthy and worrying every day about how you're going to keep up.

Protecting your income means protecting the life your income supports.

SICKNESS CAN CHANGE THINGS QUICKLY

Accidents aren't the only events capable of disrupting your plans.

Sometimes you're doing everything right and sickness still arrives.

A health issue may mean appointments, tests, treatment, recovery and unexpected time away from work.

For someone with paid sick days and extensive workplace benefits, that may be manageable.

For someone who is self-employed, works on contract, has limited benefits or relies heavily on their ability to physically perform their job, even a relatively short interruption can have a significant financial impact.

Sickness protection can help provide additional financial support for covered illnesses and related circumstances, depending on the policy selected.

It's another piece of the conversation when we look at your overall protection.

Because preparing for the unexpected shouldn't only mean preparing for accidents.

WHEN THE DIAGNOSIS IS BIGGER

There are moments when everything else suddenly becomes secondary.

A critical illness diagnosis can be one of them.

Your priorities change quickly.

Appointments replace plans.

Treatment replaces routines.

And families often find themselves making decisions they never expected to make.

Can I keep working?

Should my partner take time off?

Do we need to travel for treatment?

What happens to our income?

How long will our savings last?

Critical illness protection is designed to provide a lump-sum cash benefit following the diagnosis of a covered condition when the policy requirements are met.

That money can create options.

It can help with everyday bills, time away from work, travel, additional expenses or simply provide financial breathing room during an incredibly difficult period.

Because when your health becomes the priority, worrying about every bill shouldn't have to be.

CANCER AFFECTS MORE THAN HEALTH

Cancer touches an enormous number of Canadian families.

And while Canada's health-care system provides access to many important medical services, there can still be significant costs surrounding treatment and recovery.

Travel.

Parking.

Accommodation.

Meals.

Medications or services that may not be fully covered.

Childcare.

Reduced working hours.

A spouse or family member taking time away from work to help.

The financial effects can reach far beyond the person receiving treatment.

Cancer protection can provide additional cash benefits following covered diagnoses, treatments or services, depending on the policy.

Again, the purpose isn't to tell you how to use that money.

It's to give you more choices at a time when choices matter.

PROTECTION IS A FAMILY CONVERSATION

When something happens to one person, it often affects the whole household.

That's especially true when children are involved.

Parents don't only think about themselves.

They think about keeping the mortgage paid, groceries in the fridge and life as normal as possible for their kids.

They think about whether they can afford to take time away from work.

They think about what would happen if their partner needed to stop working temporarily to help.

That's why we look beyond the individual.

Depending on the product and plan selected, family coverage options may be available to help extend protection across the household.

Because protecting a family isn't simply about preparing for the worst.

It's about giving that family more financial resilience when life becomes difficult.

SMALL BUSINESS OWNERS: YOU ARE PART OF THE BUSINESS

When you own a small business, it's easy to spend all your time protecting the business itself.

Equipment.

Vehicles.

Property.

Liability.

Inventory.

Tools.

But there's another asset sitting right in the middle of the business:

You.

For many small businesses, the owner's ability to show up is directly connected to the business's ability to generate income.

The same is true for many contractors and self-employed Canadians.

If your business depends on your hands, your knowledge, your relationships, your physical ability or simply your presence, protecting yourself deserves to be part of your business plan.

That's why COVERALL works with individuals to look beyond traditional business insurance and consider the personal financial impact of an injury, sickness or extended period away from work.

You built the business.

Don't forget to protect the person behind it.

PROTECTION SHOULD FIT YOUR BUDGET

More insurance isn't automatically better insurance.

The right protection is protection you understand, can afford and can realistically maintain.

That's why our conversations aren't about piling on policies.

We look at priorities.

We look at existing coverage.

We look at potential gaps.

We look at your budget.

Then we explore options.

For one person, accident protection may be the priority.

For another, protecting their monthly income may be far more important.

Someone else may already have strong workplace disability coverage but want additional critical illness protection.

A family may have completely different priorities than a single self-employed individual.

There isn't one package that makes sense for everyone.

And there shouldn't be.

Your protection should be as individual as your life.

ASK QUESTIONS. UNDERSTAND YOUR COVERAGE.

Insurance can feel complicated.

Policies contain definitions, limitations, exclusions, benefit amounts, waiting periods and eligibility requirements.

Those details matter.

Our goal is to help make the conversation easier to understand.

What does this benefit do?

When could it pay?

How much protection am I choosing?

What isn't covered?

How does this work with protection I already have?

What happens if my circumstances change?

Ask the questions.

You should understand what you're paying for and why you have it.

We believe confidence comes from understanding your protection — not simply owning a policy.

THE COVERALL APPROACH

COVERALL was built around a simple belief:

Protection should fit real life.

Not a stereotype.

Not a job title.

Not a particular hobby.

Not a one-size-fits-all definition of what your life is supposed to look like.

Real people work, raise families, run businesses, travel, spend time outdoors, pursue interests, make plans and build lives they're proud of.

And somewhere in the middle of all of that, unexpected things happen.

We can't remove that uncertainty.

But we can prepare for some of its financial consequences.

That's why COVERALL focuses on conversations first.

We help you look at what you have, understand where there may be gaps and explore protection that makes sense for your needs and budget.

Accident.

Sickness.

Disability and income protection.

Critical illness.

Cancer care.

Different protection for different needs — brought together with one purpose:

Protecting what matters.

YOU CAN'T PREDICT WHAT HAPPENS NEXT.

You can plan.

You can work hard.

You can save.

You can take care of yourself.

You can do everything you're supposed to do.

And life can still surprise you.

Being protected doesn't mean living cautiously.

It means knowing you've taken steps to prepare financially so you can keep living your life.

Keep building the business.

Keep making plans.

Keep travelling.

Keep spending weekends outside.

Keep showing up for your family.

Keep doing the things that make your life yours.

Because COVERALL isn't about living your life around insurance.

It's about building protection around the life you already have.

Work hard. Live fully. Protect your family. Recover stronger.

Protect What Matters.

COVERALL
Protection Built for the Way You Live.

Coverage is subject to policy terms, conditions, limitations, exclusions, eligibility requirements and applicable waiting periods. Benefits and availability vary by policy.