I recently went to a seminar put on by an insurer launching some new products into the Ontario marketplace. This one piqued my interest.

As a runner, sometimes cyclist and quasi-active guy -- I occasionally fall down and go boom. Mostly, it's no big deal but the odd time, I break something. I work around it but I do end up spending some time in hospitals, doctor's and physiotherapist's offices. Unpaid time.

These kinds of accidents don't usually trigger disability insurance benefits because you can still work and the waiting period might be 90 or more days. But getting a little cash for the very real inconvenience of a serious break would be nice.

So here's who could benefit:

• Active people like runners, cyclists, triathletes, etc.
• People with disability or critical illness insurance
• Those who don't have or can't qualify for disability or critical illness ins

Different coverages* that are available for $7/month each:

• Accidental Fracture - $7,000 (2 units: $14,000 for $14/month)
• Accidental Death & Dismemberment - $70,000
• Hospital - $70 per day
• Disability Insurance - $700 per month - for 7 months - see below...
• (In the event of an accident resulting in hospitalization, dismemberment, fracture, major burn or major laceration)

Some cool features:

• No medical exam
• Benefit payment is guaranteed within 7 business days
• Can be done over the phone and by mail to optimize your limited time
• Premiums are level

This is not a replacement for your other insurance -- but it could be a great complement to it. Call me now to get some or for more information.

*Maximum benefits are shown; Call for details; Errors & Omissions, Excepted