Matual Outcomes
Checkout Our Partners
Making Financial Security Accessible for
Every Canadian
Accessibility & Innovation in
Income Protection
Wage Guard was founded on a simple but powerful foundation that every Canadian deserves reliable financial protection, regardless of their health history or occupation. Partnering with Humania Assurance, one of Canada’s oldest and highly reputable insurance company with over 150 years of experience, we combine deep-rooted stability with cutting-edge digital innovation. We are committed to:
- Expanding access to coverage
- Simplifying the buying process
- Supporting brokers and advisors
At Wage Guard, we believe that the traditional insurance process is often too slow and too exclusive. We have reimagined income protection to be:
Truly Inclusive: We are a home for the "uninsurable." With zero refused occupations, we provide coverage for high-risk manual laborers, seasonal workers, part-time employees, and home makers who are often declined by traditional carriers.
Frictionless & Fast: We’ve replaced weeks of medical exams and weeks of the underwriting process with a digital-first guaranteed issue policy issuance within 15 minutes.
Built for the Modern Workforce: From self-employed freelancers to entire business fleets, our solutions, like our unique 1-PAC billing are designed to fit the way people work today.
Truly Inclusive: We are a home for the "uninsurable." With zero refused occupations, we provide coverage for high-risk manual laborers, seasonal workers, part-time employees, and home makers who are often declined by traditional carriers.
Frictionless & Fast: We’ve replaced weeks of medical exams and weeks of the underwriting process with a digital-first guaranteed issue policy issuance within 15 minutes.
Built for the Modern Workforce: From self-employed freelancers to entire business fleets, our solutions, like our unique 1-PAC billing are designed to fit the way people work today.
We don’t just offer a policy; we offer a lifeline. Our "No Coordination" rule ensures that for the first $2,500 of monthly benefits, your clients receive their full payment regardless of other insurance sources. By focusing on simplified issue and guaranteed renewable coverage to age 100, we ensure that peace of mind is never out of reach.
Why You Should Partner With Wage Guard
AI-Driven Underwriting Process
15 Mints
Issuance Time
20 years
Refund Rider
15000
Death Benifits
2500
No Coordination Monthly Benifits
15 years
Insurance Experience
Innovative Solutions
Co-Creation With Strong Partnerships
Our strength comes from our partner, Humania Assurance. Established in 1874, Humania is a mutual company that prioritizes people over profits. This partnership allows Wage Guard to offer:
Our Team Member
Meet Our Amazing Team
Harry R. Blackston
Senior Manager
Guillermo V. Hanson
Business Consultant
Michael A. Yates
Junior Manager
Mark M. McClure
Sr Engineer
Clients Testimonials
What Our Partners Say About WageGuard
Michael Ross
Insurance Agent
“Partnering with WageGuard has been a game-changer for my agency. Their disability products are incredibly easy to explain to clients, and the fast-issue process through Humania means my clients get the protection they need without the typical medical delays. It’s a seamless addition to my portfolio. “
Michael Ross
Sarah Jenkins
Benefits Consultant
“In the disability insurance world, the claim experience is everything. WageGuard’s partnership with Humania Assurance gives my clients peace of mind knowing they are backed by a provider with a stellar track record. The digital submission process is intuitive, and the support team is always responsive to my brokers' needs. “
Sarah Jenkins
David Chen
Insurance Agent
“Finding quality income replacement for my self-employed and contract-worker clients used to be a struggle. WageGuard has filled that gap perfectly. Their simplified underwriting allows me to secure coverage for business owners who usually get turned away by larger carriers. It’s significantly grown my book of business this year. “
David Chen
