Disability Insurance

BSI Insurace Brokers LTD. provides products that offer financial security to families, businesses and farms. Suffering an accident or illness can eliminate your ability to earn an income. Accidents and illnesses are unfortunately a fact of life.

Some shocking statistics are*:

- 1 in 3 people, on average, will be disabled for 90 days or longer at least once before age 65.

- The average length of a disability that lasts over 90 days is 2.9 years.

Whether you are looking for coverage to protect your main income or whether you are looking to top up your group plan or protect a specific credit product we can assist. We have plans that offer protection for Laborers, Professionals, Business Owners, Students, Part-Time Workers, etc.

We can assist you with designing coverage for the following purposes:

· Full Disability Insurance (Accident and Illness)

o NOTE: We have Lifetime Benefit Options!

· Accident Only Disability Plans

· Mortgage Disability Insurance / Creditor Disability Insurance Plans

· Buy Sell Disability Insurance

· Business Overhead Expense Plans

· Critical Illness Insurance

For a specialized Disability insurance quote visit our Sales page to contact a Disability Producer directly.

Visit one of our 15 Locations nearest you.

* Source: Compiled by Canada Life based upon CIA 86-92 Aggregate Table & 1985 Commissioner’s Disability Table A (Experience Table)

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Testimonials

“There is something about a small-town business that makes personal service much deeper and stronger than the fast paced life of the cold and bitter city could ever offer. This holds especially true for BSI in St. Malo. They deliver old-fashioned friendly service with up-to-date technology and expertise.”

Agnes
St Malo
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“We have been dealing with the Rondeau's in Somerset for many years and are very happy with their personal and up to date service. In March of 2002 we had a house fire and Rondeau made sure we were well taken care of while we were waiting for a new house to be built. Thanks! ”

Morris and Claudette
Somerset
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“Hi We deal with the broker in Dominion City. They are always for friendly and thoughtful. They are understanding when we have problems and do not laugh when I come in with a claim. This past June, being a nurse, wife and mom of two small children, I decided to be effecient - I put my washing machine on at 8 pm at night and let it run - like I have a million times before. In the morning I throw the load in the dryer. Well this night everything that could go wrong did!”

Sharon
DC
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“My wife was just starting laundry in our attempt at getting ready to leave on holidays the next day and I was getting ready to perform a wedding ceremony later that day when the cold water hose on our washing machine burst, filling our basement laundry room with water. We quickly called BSI in Morden and they contacted Portage Mutual for us. A few hours later PM called us to make arrangements to have the damage assessed. We are still so impressed at how quickly BSI in Morden worked on a long weekend to make it possible for us to still leave on holidays. ”

Konrad
Morden
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“I needed to get house insurance last year to accomodate a home daycare. So I walked into the Letellier office and within a week, he found the plan that I needed. A year later,I had to make a couple of changes, and he remembered who I was when I called. To me that says that he values my business. Thanks! ”

Alissa
Letellier
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“This past Sept long weekend my husband and I took a 3 day camping trip into the US. I realized when we were near the border that our Blue Cross annual plan expired the next day. Since it was nealy 9 pm and the office was closed, I called my agent in Niverville at home and sheepinshly told her my predicament. She went back to town (about a 10 min drive) to the office that night and renewed the policy for us. Being in the service industry myself I felt very bad about calling her after hours for help. She graciously stepped up and went way beyond the call of duty so that we could travel with peace of mind. I went to the office the next business day with my payment and flowers in hand to thank Debbie for the outstanding customer service. ”

Eleanor
Niverville
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“I have been a client for a number of years now, and it never ceases to amaze me how they always hit my deadlines, always comes to me with personal service and delivery of my policies, and because of his professional service and expertise, I have moved ALL of our corporate and personal business to BSI. I have come to trust them completely when it comes to our corporate and personal insurance needs, and believe that our business would be elsewhere if it were not for their exceptional service.

Colan
Niverville
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“Having lost our previous home because of the flood of the century, my wife and I decided to build a new home in our community in 1998. We decided to manage the project ourselves but I was worried about liability and insurance of materials during construction. Our BSI broker put us at ease by providing us with builder's policy that addressed our concerns. When our home was completed, they easily converted our policy to a standard one, which met the needs for our new home. "

Paul
Ste Agathe
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“Always exceptional service from our local providers. They go beyond the call of duty to make sure we get the best value for our buck. Great staff, always pleasant. A pleasure to do business with. "

Murielle
Somerset
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“We had a grain dryer fire this year in the middle of sunflower harvest. We reported it to our broker and it was not too long after that we had our insurance for it so we could purchase another one . It never interrupted our harvest which was a blessing."

Harvey
Morden
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“In April we encountered a cracked pipe which created a new "shower" in our basement much to our surprise. Of course we noticed this at night but a call to the Carman office manager at home got results. The next day we not only had the pipe repaired but action on removing all the contents of the affected area. While the actual renovation took a bit longer we were pleased that the office staff kept in touch with us as to the repair job. Thanks for the great service!"

Valerie
Carman
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“My husband and I decided to protect ourselves and invest in contents insurance for our home. We deal with the steinbach brokrage office in clearspring mall and they have always been prompt and efficient with our service. They got to know us on a personal level and always refers to us by name. Just recently we moved into a new rental home to accomodate for our growing family and we had to update our insurance. They were busy with other tasks but made time to see us, and explained in full detail for the second time what our coverage would protect and if we had made any new recent investments. They made insuring our contents an easy and pleasurable experience and we appreciate that very much!"

Heather
Steinbach
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“My family came home from a 2 week camping vacation to discover a foot of water in our finished basement. We thought that is was covered under our policy through a different broker, but we were told that it was not because if fell under sewer back up coverage, which we though was only for city dwellers as our system was a septic tank system. The agent was so uncaring and rude that we cancelled our policy mid-term. My parents have been going to BSI in St Malo for years. I went to see them and they were super, he explained every aspect of coverage that we should have. They asked all the questions that need to be asked. They even came out to our house to make sure about our wood stove, when I could not answer. The received a great coverage ( sewer backup and all). We have been dealing with BSI ever since."

Kim
St Malo
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“Being 'city folk', my husband and I have a myriad of options for insurance providers in Winnipeg. However, we choose to do business with our roots, in the country. We do so because we know that our calls will be answered promptly and that we can expect straight answers to our questions on our policy. Thank-you!"

Leah
Winnipeg
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“We have had our home owners insurance policy with the Morden branch for over 12 years. We have always found them to be friendly and helpful. Our daughter recently moved into an apartment in Winnipeg and we purchased her tenant's insurance through the Morden branch. The agent was once again helpful, professional and also provided us with a competitive rate. The kind of consistent, caring service we have received is just what I would hope to have from a small town broker, thank you!"

Allan
Morden
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“Just a little something in regards about the staff. When I have come there they have all been very helpful and friendly. They make me feel like they care about me. They have gone to extreme lengths to help me when I've needed help. I am very thankful that we have such wonderful people working there. "

Helena
Morden
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“I remember a time when it was just moments to closing and I needed to get appropriate paperwork accomplished to complete the sale of a vehicle for Youth for Christ Morden. The staff made certain that they remained open and available until the entire transaction was completed. I needed to head to my own bank during this time and they were very patient with me and allowed me that time as well. It has kept me returning for their services since; both personally and for Youth for Christ. "

Johan
Morden
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“Just wanted to say we have dealt with the branch in Manitou since beginning our farming career in 1979. The staff have always been great and the present staff the BEST. They are always quick to give or find answers to any questions. Keep up the good work. "

Donna
Manitou
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“My family and I were out at our cabin on September long weekend. My son was going to head back to Carman earlier than we were, so we walked him to his car and my husband asked if he left his "insurance sticker" with his registration as it wasn't on the licence plate. He had recently moved back home and we knew the registration had been lost. We called our local rep on her cellphone and she said "No problem - meet me at the office! We'll fix that!" Now that is service!! "

Ruth
Carman
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