Business Owner: Alec Caldwell Business name: Income Replacement Specialist (Since 1981) Bus tel: 905.428.7444 Cell: 905.626.3268 Toll free: 1.866.366.2930 By email: alec@dch.ca

Take a moment and think about this! What would happen if you could not go to work today because of a disability or more?

Around 30% of my self employed clients have faced this dilemma. Disabilities have occurred because ladders collapsed when they were high up on them, a saw being used wanted to cut off more than the lumber. Then imagine discovering a lump somewhere, getting examined to discover that lump was cancer! How about a head on car accident where the other drivers were killed on the scene and all the injuries you received. I’ve experienced so many of these claims where one moment life was fine, ok, good, then suddenly it all changed!

Over the years as a specialist broker for all the major Canadian insurers, I’ve been there for my clients, when life dealt them some harsh realities. Then they disacovered the safety net they took (coverage) not believing they would need it, suddenly became a reality and their only income stream. Some of these claims were months off work, some years, some never returned to their profession and in the worst cases, it caused their death.

The financial loss was IMMEDIATE.

Take time to think this over and get covered NOW before its to late.