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IA Excellence's Accxel is a comprehensive insurance product that offers customized coverages against accident and illness to better meet your specific needs

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Accxel Disability Insurance

Accxel is unique because it was created for individuals aged up to 79 years, depending on the coverages selected, whatever their occupation.
Customized coverages
Accxel offers a broad choice of coverages for you and your family:
Disability Insurance in the Event of Accident or Illness:
  • Protection in the event of total disability
  • Payment of monthly benefits ranging from $300 to $3,000
  • A benefit period of 1 year, 2 years, 5 years or up to age 65
  • A waiting period of 1 day, 14 days, 30 days or 60 days
  • Waiver of Premiums: releases the policyholder from his or her obligation to pay insurance premiums
  • Return of Disability Insurance premiums at ages 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 benefit, less any claims paid under the Disability Insurance coverage
  • Organ Donation Benefit: any disability resulting from organ donation is eligible for a period of disability
  • Death Benefit: an additional amount paid to the Insured's estate when his or her death results from disability
Overhead Expense Insurance:
  • Protection in the event of total disability
  • Payment of a monthly benefit ranging from $300 to $3,000
  • A benefit period of 2 years
  • A waiting period of 30 days or 30 days +
  • A waiver of premiums that releases the policyholder from his or her obligation to pay insurance premiums
Accidental Death, Dismemberment or Loss of Use (AD&D):
  • A sum insured ranging from $25,000 to $200,000
  • As an option, a $5,000 sum insured for dependent children
Accidental Fracture and Extended Medical Care Further to an Accident:
  • Coverage against accidental fracture from $5,000 to $10,000)
  • Full reimbursement of extended medical care following an accident, without deductible when such care is provided in Canada
Hospital Benefit:
  • Payment of a daily benefit ranging from $20 to $140 in the event of hospitalization due to accident or illness as from the first day of hospitalization
  • Refitting Following an Accident for your car, or your primary residence.
  • Guaranteed renewal
  • Level premiums based on age at the time of purchase
  • The possibility of disability coverage for individuals without remunerative work
  • Comprehensive coverage for the entire family
  • Customized insurance coverages to suit your needs
Click here for more information on IA Excellence's Accxel 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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