The Government of Newfoundland and Labrador Group Insurance Program has just announced a significant increase to your optional Long-Term Disability Rates effective April 1st, 2020.

The current LTD plan is optional meaning employees are free to explore other disability insurance options. We broker for the largest disability insurers in Canada, so we can shop the market and find you the best deal. We crunched the numbers for several NL Government/Eastern Health employees and we can offer people better disability insurance coverage at lower rates.

The pending price hike represents a mis-pricing of the disability risk for those individuals in government/Provincial Health with non-manual, professional or managerial occupations. We have crunched the numbers on the pending premium increase for a number of NL Government/Provincial Health employees and, in almost every case, we can offer people better disability insurance coverage at lower rates.

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Let us know some basic information on your situation and we will help you source the best coverage for the lowest rate.


Sean Kennedy

Financial Advisor
St. John's, NL

Kirk Stoyles

Financial Advisor
St. John's, NL

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