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Acci-jet is a guaranteed issue disability insurance product that was designed with an active clientele in mind and that offers coverage in the event of accident or soft tissue injury.

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Disability Insurance - Acci-Jet Program

You are eligible if you:
  • are between the ages of 18 to 59 inclusively;
  • currently hold remunerative work for at least eight months per year and 21 hours per week;
  • are not currently limited in terms of your movements or daily activities due to an injury or illness;
  • are a Canadian citizen or have lived in Canada for at least six months and meet certain criteria.

Main coverage
Disability Insurance for workers, which provides for:

  • Coverage in the event of total disability resulting from an accident or soft tissue injury
  • Payment of a monthly benefit ranging from $300 to $5,000
  • Choice of the gross or net revenue method when determining your maximum available benefit
  • Non-integrated payment of the first $1,000 in benefits for the first two years
  • A benefit period of 2 years, 5 years or up to age 65
  • A waiting period of 0 days, 30 days or 119 days
  • Risk classified based on your occupation

Overhead Expense Insurance for small business owners, which provides for:

  • Coverage in the event of total disability resulting from an accident or soft tissue injury
  • Payment of a monthly benefit ranging from $500 to $3,000
  • A 2-year benefit period
  • A 30-day waiting period
  • Risk classified based on your occupation
Additional coverages
You benefit from the following additional coverages, at no extra cost:
  • Waiver of premiums: releases you from the obligation to pay insurance premiums while totally disabled
  • Maintenance of Coverage when Remunerative Work Ceases: if you lose your job, take a parental leave or stop working temporarily, but have not retired, your disability insurance will remain in force for a maximum of 12 months
  • Guaranteed renewal of your insurance up to age 65
  • Extension of coverage up to age 75, without evidence of insurability
  • Occupational rehabilitation program: the professional services you need to learn new duties as well as payment of a benefit
Acci-Jet Program´┐Żs Disability Insurance offers other optional benefits, such as:
  • Partial Disability: without being totally disabled, you can receive benefits if you are unable to perform 50% of the duties of your regular occupation
  • Return of Disability Insurance Premiums: at age 55, 60 or 65, you will be refunded 50% of all premiums paid under the Disability Insurance coverage, including the portion applicable to the Return of Premiums option, less any disability claims paid
  • Extension of the “Regular Occupation” Period: you can benefit from a definition of total disability based on your regular occupation for a 60-month period
You may also purchase additional coverages to expand the protection afforded to you and your family:
  • Accidental Death, Dismemberment or Loss of Use
  • Extended Medical Care Further to an Accident
  • Critical Illness Insurance
  • Travel Insurance
  • Guaranteed renewal
  • No medical exam required at the time of purchase and only three eligibility questions to answer
  • Premiums based on your occupation
Click here for more information on IA Excellence's Acci-jet insurance and other products designed to be Easy Issue or Guaranteed Issue.

Considering Life Insurance? (Canadian residents only) Besides offering the widest selection of travel insurance in Canada at the best possible rates, is also affiliated with DesLaurier Financial Services (our parent company) which extends the same philosophy to Life Insurance and other Insurance products including Critical Illness and Disability Insurance). Please take a look at some of the excellent rates we offer here:

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