Cash
refund

$18,000 per client (on average)

Exclusive offer
for our insureds

You don’t pay for what you don't use

Disability insurance plays a big role during a lengthy convalescence. But what happens to all the money you've paid if you're fortunate enough to have few or no claims? It goes back into your pocket. And even if you did make a few claims, you could still get some money back.

One-of-a-kind offer in Quebec

If you enrol before age 50, we'll refund up to 100% of your disability insurance premiums when you retire, less any claims you’ve made.

Pay your premiums as usual

The money adds up every month.

Submit your claims

Use your coverage whenever you need it. After all, that's why you have insurance.

Get the rest back

If you enrol before age 50, we'll reimburse up to 100% of your disability insurance premiums at age 65 or retirement, less any claims you’ve made under your policy.