Life simply doesn’t always go as planned. You could lose your job abruptly, fall off a ladder while washing the windows, or become suddenly ill and be unable to work. Accident, sickness, and unemployment insurance all come into play here.

Accident, sickness, and unemployment insurance is a temporary income replacement plan that will pay you if you are unable to work due to an accident, illness, or involuntary layoff for up to 12 months. Along with accident and sickness insurance, unemployment protection insurance can be purchased separately.