Living Benefits: CI & DI

Living benefits—critical illness and disability insurance—are designed to protect your income, your lifestyle, and your long‑term financial stability when life takes an unexpected turn. Critical illness insurance provides a tax‑free lump‑sum payout if you’re diagnosed with a covered condition such as cancer, heart attack, or stroke. That money can be used for anything: replacing income, covering medical expenses, paying down debt, or simply giving you the breathing room to focus on recovery instead of finances.

Disability insurance protects your most valuable asset: your ability to earn an income. If an injury or illness prevents you from working, disability coverage replaces a portion of your monthly income so you can continue paying your bills, supporting your family, and maintaining your financial plan without interruption. For many Canadians, this is the cornerstone of a solid risk‑management strategy because a long‑term disability can be financially devastating without proper protection.

At Fortüna Risk Management, we take living benefits seriously. We analyze your income, obligations, lifestyle, and long‑term goals to design coverage that fits your real life—not generic templates. Our goal is simple: to ensure that if life throws you off course, your financial plan stays standing, your family stays secure, and you have the resources you need to recover with dignity and confidence.