Custom Insurance Planning


Designed Exclusively for the needs of CPMA members and their staff

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Group Benefits Plan

Individual Long-Term Disability

Plan highlights:
• Top of the line Professional White collar contract
• “Own Occupation” or “Regular Occupation” Definitions
• 7Full residual and partial definitions included
• Cost of Living & Health Care Profession Riders
• Non-Cancellable insurance coverage
• 15% discount to rates offered by RBC Insurance
• Possible volume discounts available for multiple applications from same clinic
• Fixed premium cost up to age 65
• Best Doctors included

Business Overhead Insurance

Plan highlights:
• Coverage that will reimburse you for fixed expenses that continue, even while you’re not working, such as your office lease, administrative employee salaries, phone bills and electrical bills.
• Top of the line Professional White-collar contract
• Business Overhead coverage for up to $25,000/month (dependent on declared expenses at the time of the application)
• 15 or 24-month payout
• Non-Cancellable insurance coverage
• 15% discount to rates offered by RBC Insurance
• Fixed premium cost up to age 65

Critical Illness Insurance

Plan highlights:
• 25 covered conditions
• Early Assistance Benefit for an additional 7 conditions
• Return of Premium options available
• 10-year, 20-year and Term to 75 options available

Life Insurance & Estate Planning

Plan highlights:
• Different life insurance options available including term life insurance for personal financial security and key person and buy-sell insurance for business purposes.
• Permanent life insurance options available for estate, tax and legacy planning.