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Less than 1 in 4 New Brunswickers has disability insurance beyond that provided by their employer.

6 common questions families have about insurance

Life insurance

When should I get life insurance?

It is never too late, but the younger the better. Why? Because you are generally active and healthy, so the risks are lower. And it is a good time to build up your capital for strong financial security.
Life insurance

Can I inherit a debt from a relative?

Yes, it is possible. If you are a co-signer on a joint account and there are debts or monies owed on it.

Life insurance can relieve you of your loved ones’ debts and expenses related to their death.

Life insurance

How much life insurance should I carry for my family?

It is recommended that you carry 6 to 10 times your annual 1 household salary to receive a reasonable amount for life insurance.

1 Source: Investopedia

Disability insurance

If I have an accident, is one salary enough to support my family?

Disability insurance allows you to receive between 60% and 85% 2 of your income if you are forced to stop working. This allows you to maintain your standard of living and pay your current bills.

2 Source: Government of Canada

Disability insurance

Why take out disability insurance if I am fit and healthy?

During their lifetime, 1 in 4 Canadians will be off work due to an accident or illness - mental or physical - which has a major impact on your income 3.

Disability insurance offsets your income and covers your expenses with a monthly payment.

3 Source: Statistics Canada

Critical illness insurance

Why do I need critical illness insurance?

To protect your lifestyle and cover the expenses related to the illness and thus offer you peace of mind.

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