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Income replacement insurance — protect your paycheck
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Income Replacement

Monthly tax-free income if illness, injury, or — with the right rider — even involuntary job loss puts you out of work. The short-term shield long-term disability doesn't cover.

// Bridge the Income Gap

Replace 70% of your paycheck when life happens.

Income Replacement is the short-term cousin of disability insurance — designed for shorter work interruptions (12–24 months). It activates faster, has a lower qualifying bar, and is cheaper. With the right rider, it can even cover involuntary job loss.

Fast Activation
Benefits start after just 30 days out of work — far quicker than typical disability insurance.
Up to 70% Income
Tax-free monthly benefit replaces a substantial portion of your pre-claim earnings.
Layoff Protection
Optional rider covers involuntary unemployment — one of the few products that does.
Up to 24 Months
Continuous monthly payments for up to 2 years per claim — bridges to long-term disability.
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// Coverage Benefits

Stay covered through life's interruptions.

Designed for the most common income gaps Canadians face — short illnesses, injuries, and (with a rider) layoffs.

01

Tax-Free Monthly

Personally-owned policy pays benefits tax-free — full purchasing power preserved.

02

30-Day Wait

Short waiting period — benefits start much sooner than long-term disability.

03

Illness & Injury

Covers both physical injuries and short-term medical conditions.

04

Layoff Rider

Optional unemployment rider covers involuntary job loss for 6–12 months.

05

Simplified Underwriting

Lower qualifying bar than full disability insurance — easier approval.

06

Stacks with EI

Replaces what EI sickness benefits ($695/wk max) can't cover.

07

Bridges to LTD

Covers first 24 months until long-term disability kicks in for permanent issues.

08

Affordable Premium

Costs less than full disability coverage — ideal for self-employed budgets.

Canadian family protected from income loss
Why It Matters
// The household reality

EI sickness pays max $695/week for 26 weeks. Income Replacement fills the rest.

Source · Service Canada EI 2026 maximums

Common Questions.

The most-asked questions about income replacement insurance.

How is this different from disability insurance?
Long-term disability covers extended periods (months to age 65) with stricter underwriting and longer waiting periods. Income replacement is shorter-term (12–24 months) with faster activation (30 days) and easier approval. Many Canadians use both — income replacement for the first 24 months, long-term disability after.
Can I insure against being laid off?
With an "involuntary unemployment" rider, yes — coverage pays a percentage of your income for 6–12 months after a layoff. Note: it doesn't cover quitting voluntarily or being fired for cause. The rider must be added at signup and may have a waiting period before it activates.
How fast does it pay?
Most plans pay starting day 30. Some shorter-waiting options exist but cost more. 30-day waiting is the sweet spot — affordable and fast enough that most emergency funds bridge the gap.
Do self-employed Canadians qualify?
Yes — and they may need it most. With no EI safety net and no severance package, self-employed Canadians face the largest income gap. We structure coverage around your actual income (12-month average if it fluctuates) so the benefit matches what you really earn.

Don't let one bad month break the budget.

Free consultation. Build a stack of income replacement, EI, and long-term disability that works together.

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