Protecting Your Most
Presented by: Carlo Carpino
Life & Living Benefits Advisor
You are, your most important asset and
your health is your wealth!
We help protect your Lifestyle if you can’t work as a
result of a disability, either an injury or a sickness.
Your Most Valuable Asset !
“Based on your current Age lets have a look at your Potential
Income to Age 65 assuming a 5% Annual Increase”
“Would you Agree that your Ability to Earn an Income is your
You Are an Important Asset
Probability of 90 Day Disability Prior to Age 65
If your Disability
lasts longer than 90
Days, what is the
Risk and Duration of Being
“What would happen to your lifestyle if you
were unable to work due to Disability?
“That won’t happen to me !
I will never be disabled enough not to go to
We all think it will never happen to us, but
that is simply not the case
Thoughts About Disabilities
“I have heard in the past that
Disability Insurance is expensive”
“Each of our plans are individually designed to
cover your needs and fit your budget.”
It Is Too Expensive
“Which job would you select or tell
your son or daughter to pick ? ”
$39 000 Tax Fee
“The affordability index, is that typically people spend
2% to 3% of their income for these solutions. ”
It’s Your Choice
“Let’s look at it another way…”
Assets Totaling $435,000
Cost of Insurance =
Your Asset Asset Value Insurance Cost
Asset Totaling $3,000,000 +
Cost of Insurance should be:
1 – 3 % of your
Protecting Your Assets
ValueAsset Insurance % of Income
Income $000 1% - 3%$3,000,000
Affordability Index – 1% - 3% of your annual income.
Only Small % of Your Income
Protect your Income.
Protect your Lifestyle.
The needs of Canadians in different life stages and
professional situations, we found there is a noticeable
gap in disability insurance protection.
What Do We Do?
› Affordable Protection to Fill a Gap
› Customize your disability insurance coverage with a
broad range of choices
› Income protection for the self-employed and employees
without disability coverage
› Advice tailored to your needs
› As your life changes, we can help
Our income replacement solutions
provide choices of having
“Injury Only” or “Injury and Sickness
Questions To Think About?
1. How long can you take care of paying all your bills,
when you are disabled?
• 30 days, 60 days, 90 days or longer ?
2. How much tax free money will you and your family
require, when you are disabled? Have you prepared
a budget to know the right amount to cover the bare
Questions To Think About?
3. Where will the money come from ?
• Savings, Investments, Liquidate Assets, or an individual
RBC Income Replacement Policy!
4. Do you have any group Long Term Disability
insurance included in your employee benefits
program at work?
The next step in the process, is to design a personal solution for
you. I will be happy to take care of you, give me a call or email me.
Choice, Not Chance
Should Determine Ones Destiny