Accidental Death and Dismemberment is coverage for very severe injuries that you will hopefully never have to use.  In the event of your Accidental Death once your claim is approved, your beneficiary or estate will be paid a lump sum amount.

Exclusive Features

• Tax Free Benefit up to $300,000 Coverage
• Covers Accidental Death
• Covers Dismemberment and Loss of Use
• Lump Sum Benefit
• 24/7 Coverage
• Low monthly price

Permanent and Total Disability is coverage for very severe injuries that leave you disabled for a long period of time.  To qualify for Permanent and Total Disability you need to be unable to perform two out of the six activities of daily living such as bathing, dressing, transferring, feeding, toileting and maintaining continence.

Exclusive Features

• Tax Free Benefit up to $300,000 Coverage
• Covers Accidental Injuries
• Pays in addition to other disability benefits
• Lump Sum Benefit
• 24/7 Coverage
• Low monthly price

Accident Medical Expense coverage provides reimbursement of expenses that would not normally be covered by your provincial health care plan.  Once you receive a bill for one of the covered medical expenses you simply submit a copy of your bill with your claim forms for reimbursement up to the policy limits.

Exclusive Features

• Up to $125,000 in Benefits
• Expense Reimbursement
• Covers Physiotherapy, Chiropractors, Prescription Drugs and more…
• Pays in addition to disability benefits
• 24/7 Coverage
• Low monthly price

With the rising costs of medical expenses in the United States and abroad, it’s crucial that when you are traveling Out of Province to have sufficient Travel Medical coverage. Depending on the severity of the injury or illness, hospital bills can range from $1,000 to over $500,000 (based on actual claims)! The NAL Travel Medical solution provides coverage while you are outside of Canada (or your province of residence) while travelling on business or pleasure.

Exclusive Features

• $5,000,000 Coverage
• No deductible
• Direct Claims Settlement
• Unlimited number of trips per year
• Up to 15, 30, 60 days per trip available
• Single or Family Coverage
• Coverage for business and pleasure
• Low monthly price
• Covers Stable Pre-Existing Conditions