What is Disability Insurance?

Benefits of a personal non-cancellable disability insurance policy:

  • You own and control your disability coverage.
  • You can design your coverage to suit your needs and budget based on your occupation.
  • Your plan is portable and can remain intact regardless of where you work.
  • If you select the Return of Premium rider and stay heality, * you may receive a portion of your eligible premium back.

*Return of premium benefits are dependent on claims being less than 20% of premium paid and return of premium amounts are reduced by any claims amount paid.

It could happen to you

  • The average length of a disability that lasts over 90 days is 2.9 years.
  • You have a one in three chance of becoming disabled for 90 days or longer at least once before age 65.
  • The number one reason for retirement is "health reasons" (over 25 per cent for both men and women). Health reasons beat out the number two reason, "personal choice".

Contact Details

Bowes Insurance & Financial


164 White Pine Road
Victoria, British Columbia, Canada V9B 5E1


Toll-free: + 1 866 380 1835

Local: + 1 250 380 1835

Fax: + 1 250 380 1834