Solutions focusing on the protection of income
Professionals and fee-for-service
High-quality non-cancellable disability insurance including a residual/long-term partial disability coverage as well as a specific  benefit amounts (without income justification) for each student or young professional included in the following list:

• Physicians
• Actuaries
• Podiatrists / Chiropodists
• Optometrists
• Lawyers and notaries
• Chartered accountants
• Pharmacists
• Architects
• Professional Engineers
• Psychologists
• Chiropractors
• Veterinarians

Solutions focusing on the protection of lifestyle
In addition to threatening your income, accidents and illness can also jeopardize your independence and lifestyle.

UnumProvident's Critical Illness Recovery Plan policies can provide you with a lump sum payment if you are diagnosed with and survive one of the insured critical illnesses defined in the policy. You may use this money as you see fit.

UnumProvident's Retirement Protector-policies can allow you to maintain your retirement savings program while you are disabled.

Solutions focused on the protection of business overhead expenses
UnumProvident's Business Overhead Expense policies reimburse covered business expenses for disable business owners

Special programs

• Multiple coverage – special rebates, general invoicing.
• Co-ordination with group disability insurance – to complete the group long term disability (LTD) insurance in effect, improve the coverage for managers, or enable the in-house marketing of individual, optional products.
• Program for students and young professionals – opportunities for special rates and specific features or admission conditions for students and young professionals.

Self-esteem is related to one's earning capacity, and people are very much attached to their lifestyle and independence. This philosophy is at the root of all the services offered by J.P. Falet Insurance.

As an industry leader, we continually adjust our non-revocable disability coverage to fit the constantly changing needs of self-employed professionals. By dealing with the best insurance companies, the World leader for individual disability insurance, we can proudly state that our coverage is the most complete of any disability insurance anywhere, and is designed to provide you with top quality protection at the best rates in the industry.

UnumProvident offers a fully integrated range of products and services supported by extensive and comprehensive rehabilitation resources to address an individual's return-to-work capability. UnumProvident, is the world leader* in protecting the income and lifestyles of individuals both directly and through their employers from the impact of accident and illness. With over 150 years of insurance experience, UnumProvident is committed to the search for innovative solutions in order to protect the rewards of our clients' work: their income, assets and lifestyle.

The following individual products are issued by UnumProvident: The Professional Series™, Quantum™, The Foundation Series, The Answer™, Retirement Protector, Critical Illness Recovery Plan, Business Overhead Expense, Business Loan and Key Person, Bridge Series™ and Buy-Sell.

*Employee Benefit Plan Review, 1999 and A.M. Best 1998.
 

The Professional Series policies
High-quality long-term disability insurance to specific fee-for-service professionals, including doctors, actuaries, podiatrists/chiropodists, optometrists, lawyers and notaries, chartered accountants, pharmacists, architects, engineers, psychologists, chiropractors, veterinarians, etc.

Various optional coverages can be included in The Professional Series policy.  This allows you create a tailored income protection plan according to your specific needs.

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To protect your retirement dreams!
"It couldn't happen to me!". Like most people, you probably believe that "disability only happens to others."  But thinking about it carefully... it could also happen to you!

If you are 35 and become disabled prior to age 65, the chances of your disability lasting longer than 90 days is 50%. If you are younger, the risk is much higher. In addition, if you were actually disabled, you may not recover as soon as you think. If you were disabled for more than 90 days at age 35, according to statistics you would need 2.8 years to recover.

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UnumProvident's Business Overhead Expense policy is designed for managers of companies or firms with a limited number of shareholders and for company owners. This policy provides for the reimbursement of the fixed monthly expenses that the company must continue to incur in order to remain in operation until the return of the totally or partially disabled owner. This policy allows for the preservation of the company's activities until the insured returns to work or makes a decision regarding the future of the company.

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