Accidents happen.
Financial pain
doesn't have to.
One accident can sideline your income for months or a cancer diagnosis can change everything overnight. The right insurance pays you cash fast so you can focus on recovering, not on bills.
Your health insurance covers treatment.
It doesn't cover what comes after.
OHIP and group benefits pay your doctors and hospital bills. But lost income, extra costs, and financial disruption? That's on you unless you have the right coverage.
Who needs this kind of coverage?
Self-employed & contractors
No sick pay, no group benefits. An accident or diagnosis means zero income. These programs replace that missing paycheck.
Employees with gaps in group benefits
Short-term disability has waiting periods and caps. These programs pay on top of whatever your employer provides.
Families with young children
Cover the whole family. If a parent is injured or diagnosed, a lump-sum or monthly benefit keeps the household running.
Manual & high-risk workers
Construction, trades, healthcare, hospitality. Higher injury risk, higher need. No occupational class required for ACCI 7 PLUS.
Seasonal & part-time workers
EI covers some gaps but not all. ACCI 7 PLUS pays regardless of employment status — even the unemployed qualify.
Anyone with cancer risk in their family
A 35-year-old has a 58% chance (male) or 43% chance (female) of a critical illness before 75. CancerGuard acts before it's too late.
Three programs. Complete protection.
Each program is designed for a specific protection need. Use one, or combine them for full coverage against accidents, disability, and cancer.
ACCI 7 PLUS
Build-your-own accident insurance. Pick 5 coverages, stack $7/month units, and see your premium live. Same flat rate for everyone. No medical exam.
- Disability income: up to $1,400/month for up to 7 months per accident
- AD&D: up to $350,000 lump sum for accidental death or dismemberment
- Accidental fracture: up to $14,000 based on bone fractured
- Extended medical care: up to $100,000 lifetime for physio, nursing and equipment
- Hospital benefit: up to $350/day plus 7 bonus convalescence days per stay
- Ages 0–74 · No exam · Immediate approval · Renews to 80
max 15 units = $105/mo
ACCI JET
Income replacement for accidents, soft tissue injuries, and optionally illness. Up to $6,000/month. Designed for workers who cannot afford time off.
- Monthly disability income: up to $6,000/month based on your earned income
- Soft tissue injuries covered: sprains, strains, carpal tunnel, rotator cuff, plantar fasciitis and more
- Benefit periods of 2 years, 5 years, or to age 70
- Only 3 health questions for accident and soft tissue coverage. No blood tests.
- Optional illness coverage, fracture, AD&D, extended medical, and travel insurance riders
- Premiums level to age 70 · Ages 18–69 · Self-employed & employees welcome
occupation and benefit selected
CancerGuard
Tax-free lump sum on cancer diagnosis. No medical exam, no survival period, instant approval. Use it for treatment, income, or family support.
- Lump-sum benefit: up to $150,000 tax-free with no restrictions on use
- No survival period required. Benefit paid on diagnosis.
- No medical exam or blood tests. Instant approval at point of sale.
- Includes free Novus Health Second Medical Opinion for any diagnosis
- Optional: 5 critical illness conditions, return of premiums rider
- From birth to age 65 · Renewable to age 75 · T10, T20, or T75
T10 · T20 · T75 available.
Combine programs for full protection. ACCI 7 PLUS covers your hospital days and fractures. ACCI JET replaces your income for soft tissue injuries and broader disability. CancerGuard provides a tax-free lump sum if you're diagnosed with cancer. Many of our clients carry all three. Not sure what you need? Call 416-477-1516 and an advisor will help you build the right stack.
Get covered in minutes
Choose your program
Pick ACCI 7 PLUS, ACCI JET, CancerGuard or all three. Each serves a different protection need.
Build or get a quote
ACCI 7 PLUS lets you build online instantly. ACCI JET and CancerGuard are quoted by our advisors based on your age and situation.
Answer a few questions
ACCI 7 PLUS: no questions at all. ACCI JET: just 3 questions for accident/soft tissue. CancerGuard: 3 simple questions up to $50K.
Covered immediately
Coverage starts the day your application is received. Accident claims paid within 7 business days guaranteed by iA Financial Group.
Canada's trusted protection advisors
Backed by iA Financial Group, with over 125 years of history. We find the right coverage, explain it clearly, and stay with you when it's time to claim.
Backed by iA Financial Group
Industrial Alliance Insurance and Financial Services Inc., one of Canada's largest insurers with over 125 years of history. Your claims are solid.
7-day payment guarantee
Accident claims are guaranteed within 7 business days of a complete file, or iA pays you $30 for every late business day, up to 7 days.
Licensed advisors, real guidance
Our licensed advisors help you pick the right program, understand your policy, and navigate claims when you need us most.
No hidden fees, flat pricing
ACCI 7 PLUS: flat $7/unit regardless of age or gender. ACCI JET and CancerGuard: transparent quotes, no surprises.
Minimal medical requirements
ACCI 7 PLUS: no questions at all. ACCI JET: 3 questions. CancerGuard: instant approval. No blood tests. No delays.
Same-day support
Call 416-477-1516 or email [email protected]. We're here for quotes, policy questions, and claim guidance, same business day.
