What We Offer

Key Features For your Insurance Business

If you work in a demanding trade, run your own business, or work freelance, you already know how difficult traditional insurance companies can be. They look at your job title, label it "too risky," and either skyrocket your premiums or turn you away entirely.

Meanwhile, your bills don't care what your job title is, they keep coming.

Wage Guard is different. We believe that every single working individual deserves a financial safety net. We’ve stripped away the red tape to provide reliable, accessible accident disability protection to the people who keep the country moving.

Best Income Protection

What Are The Benifits

Skip the endless paperwork. Our streamlined, modern platform allows you to apply, qualify, and secure your policy completely online in less than 15 minutes.

Whether you are an ironworker, a heavy machinery operator, a seasonal contractor, or completely self-employed, if you work, you qualify. We do not turn people away based on their trade.

Forget about scheduling blood tests, nurse visits, or fluid checks. Qualifying for Wage Guard requires answering just one simple health question.

Qucik Questions, Answered

Frequently Asked Questions

Clear, honest answers about protecting your paycheck. No fine print required.

How fast do I get paid if I have to file a claim?
We know that bills don't wait, so we don't make you wait either. Once your medical paperwork is submitted and approved, your monthly cash benefits are deposited directly into your bank account. There is a brief waiting period (called an elimination period) after your accident, which you choose when you sign up for your policy.
I am self-employed. How do I prove my income?
Unlike traditional insurers who demand years of tax returns, corporate financials, and pay stubs just to get a policy, Wage Guard doesn't require upfront income verification. You simply choose the coverage amount that matches your average lifestyle needs when you apply.
What is the difference between accident disability and illness disability?
Wage Guard is strictly focused on accident-related disabilities (such as falls, fractures, car accidents, or lacerations). By focusing purely on accidents rather than chronic illnesses, we are able to eliminate medical exams, approve you instantly, and keep your monthly premiums incredibly low and affordable.