If you're a business owner or self-employed and you couldn't work tomorrow, your income stops the same day. The mortgage, the payroll, and the bills keep coming. FinanceBridges connects Canadians like you with licensed independent advisors who protect the one thing everything else depends on.
WCB and WSIB only cover injuries that happen on the job. Most of what actually stops people from working doesn't. Cancer, heart attacks, strokes, mental illness, a back that gives out at home. None of it covered.
Self-employed Canadians can opt into EI special benefits, but you have to register a full year before you're allowed to claim. Most never do. And even if you did, the payment is capped and it runs out, usually well below what a business owner actually earns.
No paid sick days. No employer disability plan. No backup. If you can't work, the income stops that day. Most business owners find this out at the worst possible moment.
Figures are general Canadian statistics and are provided for context only. They are not a prediction of your individual situation.
You're self-employed. You earn $80,000 a year. A health problem keeps you out of work for 6 months. Nothing dramatic, nothing rare. Here's what that actually costs you.
And that's the good version. Most self-employed Canadians never registered for EI, because you have to do it a full year before you need it. If that's you, the number isn't $21,046. It's the whole $40,000. Out of your savings, out of the business, or onto a line of credit you'll be paying back long after you're better.
Example only. Uses 2026 EI figures. Your own numbers depend on your earnings, your health, your province, and your situation. Nothing here is insurance, tax, or financial advice.
Pays a lump sum if you're diagnosed with cancer, a heart attack, a stroke, or another covered condition. So you can focus on getting better instead of on the bills.
Replaces a portion of your income every month while you can't work because of illness or injury. Keeps your life intact and your savings where they belong.
Bridges the short-term gaps, when something pulls you out of work for weeks instead of months. The stretch most people underestimate.
A few quick questions about your work, your income, and what's already in place. Nothing to prepare.
A licensed independent advisor in your province who works with business owners and self-employed Canadians every day. Then a 15-minute call, on your schedule.
Your advisor shops the Canadian market to find the right coverage at the right rate. No paperwork unless you decide to move forward.
It's coverage that pays you while you're alive but can't work. Critical illness, disability, and accident and sickness coverage all sit under it. Life insurance pays your family after you die. This pays you when you survive but can't earn.
Almost certainly. Incorporated, sole proprietor, contractor, commission-based, it doesn't matter. What matters is your health and your income, and that's exactly what a conversation with an advisor sorts out.
Partly, and not the way most people think. WCB and WSIB only cover injuries that happen on the job. EI special benefits are available to self-employed Canadians, but you have to register with Service Canada at least 12 months before you can claim, so it's not something you can reach for once you're already sick. Even then the payment is capped and time-limited, and for most business owners it's a fraction of what they actually earn.
Life insurance protects your family if you die. Income protection protects your family if you live and can't work. Most people are far more likely to need the second one, and far fewer have it.
The first conversation is about 15 minutes. If you decide to move forward, your advisor handles the application with you. Most people are covered within a few weeks depending on the insurer and their health.
FinanceBridges costs you nothing. The coverage itself depends on your age, health, income, and what you choose. Nobody can give you a real number over a website, which is exactly why the advisor conversation exists.
No. The advisors are licensed and independent. FinanceBridges connects you with them, we don't employ them and we don't sell insurance ourselves. They work for you, not for a single insurance company.
FinanceBridges is a Canadian company with one job: connecting business owners and self-employed people to a licensed independent advisor who actually understands how they earn.
We started it because the people who need income protection most are the ones the industry keeps missing. If you're on payroll, someone hands you a benefits package on day one. If you sign the cheques, nobody hands you anything. You're expected to figure it out yourself, usually while you're busy running the thing that pays for everything.
We don't sell insurance and we don't employ advisors. We're the bridge. You tell us your situation, we match you with a licensed independent advisor in your province, and from there it's between you and them. No cost to you, and no obligation to buy anything.