Your Income is Your Most Valuable Asset. Most Canadians Don't Protect it.

If you're self-employed and you couldn't work tomorrow, your income stops. Your bills don't. We connect you with licensed advisors who help self-employed Canadians and business owners protect the one thing everything else depends on.

Why Self-Employed Canadians Need This

The WCB Myth

WCB and WCIB only cover injuries that happen on the job. 90% of disabilities don't. Mental illness, cancer, heart attacks, strokes, back injuries. None of it covered.

EI Falls Short

Self-employed Canadians who opt into EI get a maximum of $695 per week for up to 26 weeks. For most professionals, that's a fraction of actual income, and it runs out fast.

No Safety Net but the One You Build

No paid sick days. No employer disability plan. No backup. If you can't work, the income stops the same day. Most self-employed Canadians figure this out only when something goes wrong.

91%

Canadians don't have critical illness coverage

90%

Disabilities happening off the job (and aren't covered by WCB)

47%

Canadians living paycheque to paycheque

Coverage Built for Self-Employed Canadians

Critical Illness Insurance

Pays a lump sum if you're diagnosed with cancer, a heart attack, a stroke, or other serious conditions. So you focus on getting better, not on bills.

Disability Insurance

Replaces a portion of your income if you can't work due to illness or injury. Keeps your life intact while you recover.

Accident & Sickness Coverage

Bridges short-term gaps when an accident or sickness pulls you out of work for weeks instead of months.

Bridge The Gap For Your Living Benefits Needs

How Does FinanceBridges Work?

Complete a Quick Qualification Form

Tell us about your situation. Takes under 2 minutes.

Book a 15-Minute Discovery Call

Talk to a licensed advisor in your province who specializes in living benefits for self-employed Canadians.

Get a Plan That Actually Fits

Your advisor shops the entire Canadian market to find the right coverage at the right rate. No paperwork unless you decide to move forward.

What Our Clients say!

Read what our clients have to say

"As an independent contractor, I assumed WCB had me covered. Found out the hard way after a back injury that it didn't. The advisor I was matched with helped me set up real coverage in under a week. Wish I'd done it sooner."

Marcus T., Edmonton, AB

"I run a small consulting business. If I can't work, nothing comes in. The team at FinanceBridges connected me with someone who actually understood what self-employment looks like. The plan we set up means I can take a month off if I need to without panicking."

Sarah L., Vancouver, BC

"Tradesperson here. My buddy got cancer last year and lost his business because he couldn't work for 8 months. That's what got me looking. FinanceBridges made it simple."

Daniel R., Hamilton, ON

"Real estate agent, full commission. One bad month is rough enough. The advisor showed me how disability insurance actually works for someone with variable income. Different conversation than I'd had with anyone else."

Jessica M., Calgary, AB

FAQs

Find answers to frequently asked questions about living benefits and the services we offer at FinanceBridges.

What are "living benefits" anyway?

Living benefits are insurance products that pay you while you're alive if you get sick or injured and can't work. Critical illness, disability, and accident insurance all fall under this umbrella. Unlike life insurance, which pays your family after you're gone, these protect your income while you're still here.

I'm self-employed. Do I actually qualify?

Yes. Self-employed Canadians are exactly who these products are built for. You don't have an employer's disability plan or paid sick days. You're the one who needs this most.

Doesn't WCB or EI cover me?

Not really. WCB only covers injuries that happen on the job, but 90% of disabilities happen off the job. EI sickness benefits for self-employed people max out at around $695 per week for 26 weeks, and only if you opted in 12 or more months ago.

What's the difference between this and life insurance?

Life insurance pays your family after you die. Living benefits pay you while you're alive if you can't work. Most people need both, but most only have one or neither.

How long does the process take?

The form takes 2 minutes. The discovery call is 15 minutes. From there, your advisor walks you through options on a longer call. Most people are fully covered within 2 to 3 weeks.

What does it cost?

That depends on your age, health, and how much coverage you want. Your advisor shops the entire Canadian market to find the best rate. No fees from us. The advisor is paid by the insurance company once you pick a plan that works for you.