What happens to your household… and your business… if you suddenly can’t work?For self-employed Canadians, incorporated professionals, and business owners, your income isn’t just a paycheque — it’s the engine behind everything: your mortgage, your lifestyle, your retirement plan, and often your company’s overhead.In this video, Laurent Munier (Partner & Advisor at Safe Pacific) breaks down how disability insurance works in Canada, why it’s one of the most overlooked (and most claimed) forms of insurance, and how to build the right policy around your occupation, income, and long-term plan.We cover the real-world differences between short-term vs long-term disability, what “own-occupation” actually means, how much coverage you can qualify for, and how to structure the policy so it actually does what you need it to do when it matters.If you’re building wealth, but you haven’t protected the income that builds it, this is where you start.Book a free consultation: safepacific.com/discoveryIf this video helped you, please support the channel:• Like the video• Subscribe for weekly videos on Canadian insurance and wealth strategy• Share this with a business owner or professional who needs income protection• Comment below with your questions — we read and replyTimestamps:00:00 Intro: What happens if you can’t work?00:18 Meet Laurent + why income protection comes first00:39 What disability insurance is (and what it isn’t)01:34 Who needs disability insurance most02:22 The “1 in 3 Canadians” risk (and why it matters)02:47 Why disability is the most claimed — and least sold04:10 Short-term vs long-term disability in Canada06:05 How long-term disability works (waiting periods + payouts)08:06 “Own-occupation” vs “regular” vs “any-occupation”10:17 How much disability insurance do you need?12:22 What expenses your coverage should actually protect13:30 Typical benefit amounts (and why tax-free matters)15:21 What disability insurance costs (and what affects pricing)17:32 How the application process works18:10 Key riders: future insurability, return of premium, residual disability20:01 Disability insurance as the foundation of a financial plan22:35 How to take next steps with Safe Pacific23:29 Like, comment, share, and subscribeGET STARTED NEXT STEPS https://safepacific.com/discovery-schedule/SUBSCRIBE https://www.youtube.com/safepacific?sub_confirmation=1INSTAGRAM https://www.instagram.com/safepacific/LINKEDIN https://www.linkedin.com/company/safe-pacific-financial