Living Benefits 

“Living benefits” mean exactly that — the kinds of insurance products you and your loved ones may need over the course of a lifetime. At Al G. Brown & Associates, we know the importance of living benefits to your personal and family security, comfort and peace of mind.


 “I see every day the impact that acquired conditions and injuries have on people’s families and finances. This kind of illness can strike anyone of any economic status, age, or gender, at any time — and the probability of becoming disabled is much higher than most people anticipate. I wanted coverage not just to replace income, but to relieve some of the strain on my family. The issue is quality of life, not just for me but for my family.”

–Pearl Gryfe, occupational therapist;

Clinical and Managing Director, Assistive Technology Clinic,

Elkie Adler MS Clinic and Jeff and Diane Ross Movement Disorders Clinic, Toronto; AGB client


“We purchased LTC insurance for several reasons: with three children in school, it’s important to me that I not have to worry about having large, sudden, out-of-pocket expenses. It’s also important to me to be able to preserve my standard of living. And after looking after my mother’s affairs for many years, I’m not eager to burden my own children with a similar job. With LTC, I won’t have to.”

–Dr. Warren Cohen, orthodontist


Critical illness insurance pays out a lump-sum benefit in the event that the insured person is diagnosed with a critical illness, such as cancer, kidney failure, heart attack, or multiple sclerosis among others. It can help provide a necessary financial cushion and ease financial burdens to help you cope in the event of a serious health crisis.


Disability insurance is designed to replace your current income in the event that you suffer an accident or an illness that prevents you from working. What would happen if you threw your back out, got in a car accident or took a stress leave and had to be away from your business for an extended period of time? Would you be able to meet your business or family obligations? If not, please contact us to discuss how to protect your family and your assets with a disability policy.


Long-term care insurance Long-term care insurance (LTC) is designed to cover the cost of health- or personal care-services when a person needs help with self-care. Coverage kicks in when the insured person can no longer independently perform two or more of six major daily tasks, such as getting dressed or eating. It's a product that can help seniors live with dignity. But LTC isn't only for the elderly: it can also be important for younger people with conditions such as multiple sclerosis or who have suffered from stroke to spinal cord injuries.

“Critical illness insurance is a product that provides dignity. It arms our clients with the financial resources to face the battle for their lives, providing choice for individuals who are struck with a critical illness.”
-David Wm. Brown