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Products > Insurance > Disability > ExpenseComp


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Understanding ExpenseComp

What it is
ExpenseComp offers great features and benefits for self-employed clients. By reimbursing business expenses like salaries, rent, utilities and more, ExpenseComp can help make sure clients don’t have to close up shop early because of a loss of income from an illness or injury.

Who it’s for
ExpenseComp is ideal for self-employed people directly responsible for business expenses.

How it works
ExpenseComp provides monthly reimbursement of business expenses  in case of total disability.  Premiums paid may be tax deductible as an expense.

Issue ages
Occupation classes
Benefit periods
Elimination periods (days)
18 – 60 (age last)

4A, 3A, 2A, A

12 months, 18 months and 24 months
30, 90      
Level to age 65, renewable after age 65 for life (4A/3A) or to age 72 (2A/A)

With ExpenseComp, your clients can:

  • Be certain their premiums and coverage won’t change if their health changes
  • Have business expenses reimbursed based on the most preferred definition of total disability (based on own occupation definition for classes 4A and 3A)
  • Get up to $40,000 of monthly benefits
  • Gain the advantage of special carry-over and extended monthly benefit features when business expenses vary from month to month
  • Receive extra payments from the Disposal of Interest in Business feature (includes legal and accounting expenses)
  • Convert to an income replacement plan if protection is no longer needed for business expenses

Our team of insurance wholesalers are ready to deliver value through case support, revenue-producing ideas and advice.

Additional features
Optional riders:

Note: Above features may be subject to terms and conditions

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