Valley First

Disability Insurance

This insurance is for you if:

  • you work in a risky work situation where accidents tend to happen.
  • you need a stable income to manage your finances each month.
  • you are starting to doubt whether you really are indestructible—
    don't worry, we won't tell.


Key Features & Benefits

Disability insurance helps provide replacement income if you are unable to work because of sickness or injury.

Disability insurance can help:

  • Replace lost income
  • Subsidize living expenses while you are unable to work
  • Provide security for your family

Benefits are calculated as a percentage of your usual salary and are tax-free.


Coverage Options

Disability insurance allows you to choose from several options including:

  • The monthly income you receive while on disability
  • You can receive disability benefits from 2 years to the age of 70
  • The waiting period before your first payment
  • Top-up benefits if you are unable to perform your old job but can still work in another role
  • Cost of living option to insure that your benefits keep pace with cost of living increases


As a full service insurance broker, Valley First will provide you with the best rates possible for the coverage you need.

General Costs

In general, several things contribute to the cost of disability insurance:

  • The elimination period (length of time between when an injury or illness begins and receiving benefit payments from the insurer)
  • The benefit period
  • Your age
  • Your occupational class
  • The benefit amount

For more information on rates, contact one of our life & disability specialists

Payment Options

Methods of Payment

  • Pay upfront—if you've got the money saved, you can pay the premium in full on the policy effective date.
  • Pay monthly—take advantage of our Smart Pay option so that payments are more bearable.

We accept:

  • Cash
  • Personal Cheques
  • Debit Cards
  • Mastercard®
  • VISA


Need to make a claim?

For help with or to start your insurance claim, please contact one of our insurance specialists.

Ready to get a quote? We provide simple insurance solutions to suit your needs—contact us today!


Contact us online and let us know what insurance coverage you're looking for—we'd be happy to provide you with a quote.

In Person

If you're more comfortable coming in to see us, we'd be happy to give you a quote in person and chat about your insurance needs.

By Phone

If you’d like to call us, one of our life & disability specialists will be happy to help you.