RBC Disability Insurance


What are the benefits of an Individual Professional Contract?

  • Worldwide portability
  • Guaranteed contract
  • Guaranteed premiums until age 65 (Health care rider is subject to change.  Currently there is no charge for this rider.)
  • Covers you in your specialty
  • Residual and partial benefits* if your disability allows you to work on a reduced basis
  • 90 Day elimination period* with benefits payable until age 65
  • Accumulation of Days* over 12 months
  • Ability to maintain policy beyond age 65 as long as you continue full time employment
  • Waiver of premium* if disabled 90 days with a full refund of the premiums paid from onset of disability
  • Future Insurance Options to increase coverage annually without medical evidence until age 55* up to $25,000/m of coverage
  • Cost of Living Rider*
  • Health Care Rider*
  • Presumptive Disability Benefit*
  • 12 Month Recurrent Disability*
  • Up to 4 Months Recovery Benefit*
  • Survivor Benefit*
  • No Integration of benefits* if your income is reduced or of you receive benefits elsewhere
  • Ability to convert to Long Term Care insurance in the future offering life long protection
  • Return to work assistance program

*Please refer to the Glossary of Terms to learn more.

For more information, please contact Justine Zavitz at justine@zavitzinsurance.com or 1-888-347-2437.