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Core Features of Wage Guard


Get Disability Solutions With Us

Everything your clients need. Everything you want in a product.

Why Advisors Choose WageGuard


15-Minute Instant Approvals

No lengthy underwriting. Just one health question, and your client can get approved in about 15 minutes.


Zero Occupations Refused

Truckers. Farmers. Construction workers. Freelancers. Seasonal employees. If your current carrier keeps saying no, WageGuard says yes to every occupation, every time.


Premium Refund Option

Clients who never make a claim get back 50%, 75%, or 100% of their premiums paid over 20 years. It’s the most powerful objection-killer in disability insurance built right into the product.


No Medical Exams. No Financial Documents.

Zero blood tests. Zero tax returns. Zero pay stubs — regardless of the benefit amount selected. WageGuard removed every step that causes clients to drop off mid-application.


No Coordination of Benefits

Your client keeps their full WageGuard benefit up to $2,500/month for the first 36 months, even while collecting WSIB, CPP disability, or any other source. No reductions. No surprises at claim time.


Built-In Death Benefit

Every WageGuard policy includes a $10,000 death benefit at no extra cost, giving your client and their family one more layer of protection without adding complexity to the conversation.

Matual Outcomes

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