Living benefits, such as disability and critical illness insurance, protect your standard of living.

Sometimes life doesn't always work out as planned. That's where we come in.

For your peace of mind, ATB Investor Services offers comprehensive protection products and services through our subsidiary ATB Insurance Advisors Inc. Our team of experienced insurance professionals can prepare an insurance plan tailored to your specific needs.

Disability insurance

Disability insurance protects you and your family by providing income if you are unable to work due to injury or illness. Disability insurance policies are structured to begin payments at a set time (usually 30, 60, or 90 days after a disability) and continue for a predetermined period.

How soon you start collecting benefits and how long they last are details of a disability insurance policy that can be tailored to your needs and will affect your premium level.

Critical illness insurance

Critical illness insurance pays a lump-sum benefit upon diagnosis of an illness or condition specified in your plan. The benefit you receive can be spent however you wish—there are no restrictions or requirements.