How Disability Insurance Protects Your Income (Case Study: Physiotherapist)
What happens if you get sick or injured and lose your ability to work after investing tens of thousands into your education and career?
If you are a self-employed professional or business owner and want to make sure your income is properly protected, book a Discovery meeting here:https://safepacific.com/discovery-schedule
That is exactly the risk Mark (name changed), a 35-year-old self-employed Canadian physiotherapist, wanted to avoid. He had recently made a major career shift, taken on roughly $100,000 in student debt, and was earning about $80,000 to $100,000 per year. No spouse, no kids. Just full responsibility for his own financial security.
In this video, Laurent Munier, Partner and Advisor at Safe Pacific, walks through a real case study showing how we structured the right kind of disability insurance to protect Mark’s income, keep costs reasonable, and leave room for future growth.
If you are a business owner or high-income professional, especially if you are self-employed or in a hands-on occupation, this video is for you.
00:16 – Meet Mark: self-employed physiotherapist (case study)
00:45 – The setup: career shift and approximately $100,000 in student debt
01:12 – Why this matters: no dependents, but income is everything
01:32 – The core problem: what if he cannot work as a physiotherapist?
01:57 – What he needed: coverage, budget ($100 to $300 per month), and flexibility
02:25 – Why disability insurance is essential for hands-on professionals
02:38 – The challenge: balancing debt, cashflow, and coverage needs
03:12 – Budget reality: protecting income without overspending
03:44 – Why limited savings makes disability insurance even more critical
04:17 – Own-occupation coverage: the non-negotiable detail
04:42 – Future flexibility: increasing coverage as income grows
05:13 – Why disability insurance comes first: protection before aggressive investing
06:01 – The solution: a customized disability plan for a physiotherapist
06:53 – The policy: $3,000 per month tax-free to age 65
07:06 – Own-occupation explained and why it changes everything
07:45 – Future Income Option rider: increase coverage later without medical underwriting
08:36 – The cost: $150 per month using a new graduate discount
09:04 – Additional layers: partial and residual disability benefits
09:35 – Benefit period to age 65 and why it matters
09:54 – Claims support: using your own physician
10:29 – The outcome: a foundation for long-term financial security
11:00 – Why disability insurance is not optional for serious financial planning
12:13 – Avoiding low-cost policies that fail when you need them
14:14 – Long-term impact: stability, flexibility, and sustained wealth momentum
16:23 – The Safe Pacific framework: protection, savings, then investing
20:34 – Final takeaway: protect your number one asset, your ability to earn
21:18 – Work with Safe Pacific: contact and booking options
21:42 – Help the video reach more Canadians by liking, subscribing, and commenting
Your ability to earn income is often your most valuable asset, especially if you are self-employed.
For hands-on careers, own-occupation coverage can be the difference between being protected and being forced into any available job.
A well-designed plan includes future insurability so coverage can grow alongside your income without new medical underwriting.
Disability insurance is not flashy, but it is the foundation that keeps the rest of your financial plan intact.
If you are self-employed, incorporated, or a high-income professional and want a disability insurance plan built around your occupation and budget, we can help.
Book a Discovery meeting here:
https://safepacific.com/discovery-schedule
If you found this case study helpful, like the video, subscribe to the channel, and share it with someone who is building their career and wants to protect it.
Feb 19 202616 min