​SOLO Essential disability income

​SOLO Essential Disability Income will help your clients get through an interruption in their income if they cannot work due to an accident or illness.

It provides your clients with a monthly amount to help them maintain their lifestyle and more importantly, meet any additional expenses related to their disability.

Designed for workers with a higher risk occupation, self-employed or contract worker, client with a preexisting medical condition who cannot get traditional disability insurance.


Main features

Guaranteed acceptance and simplified issue

Three simple pre-qualifying questions for Accident coverage, with neither proof of income nor underwriting required. This allows us to issue Accident coverage within five days—guaranteed. Illness coverage is also available as an add-on, with a simplified underwriting process.

Wide range of clients

This includes clients who don't normally qualilfy for traditional disability products.

No integration or coordination during the 24 first months of the benefit period

During the first 24 months of the benefit period, the monthly amounts will not be integrated or coordinated with other benefits if the monthly amount is $1,000 or less.

Target market

  • Individuals in high-risk occupations
  • Self-employed and contract workers
  • Individuals with pre-existing medical condition