Surgeons · Lawyers · Dentists
You earn more than 95% of Canadians. You're also more exposed.
Most high-income professionals carry a $10K/month group plan protecting a $30K/month lifestyle. That gap isn't a minor oversight — it's a financial crisis waiting to happen.
Licensed in BC, AB, & ON
Free Gap Analysis
DIY Coverage Review
The Exposure Truth
The more you earn, the more you have to lose, and most professionals don't realize the gap.
"Nobody has ever talked to me about what happens if I can't work."
— That's exactly why we exist.
No jargon. Just clarity on the protection your income actually needs.
High-income professionals often rely on employer group benefits or basic coverage that may only replace a fraction of their actual income. Here's what the data suggests.
10K
Typical Group Disability Cap
Many employer group disability plans cap monthly benefits around $10,000 — which may cover less than a third of a professional's actual monthly income and financial obligations.
Based on common Canadian group benefit plan structures. Individual plans vary — review your specific policy for details.
1 in 3
Chance of Disability Before 65
Industry statistics suggest that roughly one in three working Canadians may experience a disability lasting 90 days or more before reaching age 65. For professionals with high overhead, the financial impact can be significant.
Based on Canadian Life and Health Insurance Association data. Individual risk varies by occupation and health.
72%
Of High Earners May Be Underinsured
Research indicates that a significant majority of Canadians earning over $200K may not have sufficient individual disability coverage to maintain their lifestyle and meet their financial obligations if unable to work.
Based on industry surveys. Your situation is unique — a professional review can help identify any gaps.
"Own Occ"
The Definition That Matters Most
"Own occupation" disability coverage means you may receive benefits if you can't perform your specific profession — critical for specialists. Many group plans use a broader "any occupation" definition, which offers less targeted protection.
Coverage definitions vary by insurer and policy. Always review your policy wording carefully.
We Hear This Every Day
Sound familiar?
These are the words high-earning professionals use when they first reach out to us. If any of this resonates, you're not alone — and you're not behind.
I know I should deal with this, but I don't know who to trust. Everyone seems to have something to sell me.
— SURGEON, VANCOUVER
My accountant handles taxes. My advisor handles investments. Nobody has ever sat me down and talked about what happens if I can't work.
— DENTIST, CALGARY
I don't want to be sold something. I want someone to actually explain it to me — what I have, what I'm missing, and what it would cost to fix.
— LAWYER, TORONTO
We Hear This Every Day
Protection strategies for professionals who can't afford to get this wrong
These are the words high-earning professionals use when they first reach out to us. If any of this resonates, you're not alone — and you're not behind.
Disability & Income Protection
Own-occupation disability coverage designed for your specific profession. We help you understand policy definitions, benefit periods, and how individual coverage may complement or replace group plans.
Life Insurance Strategy
From term coverage that protects your family's lifestyle to permanent solutions that may serve as wealth-building tools within your overall financial plan. We present options from multiple carriers.
Critical Illness Protection
A lump-sum benefit if diagnosed with a covered serious illness — providing financial flexibility for treatment, recovery time, or practice management during a health event.
Business Overhead Protection
Coverage designed to help keep your practice running — covering rent, staff salaries, utilities, and loan payments — if a disability prevents you from working for an extended period.
We Hear This Every Day
What proper protection actually looks like
These composite scenarios illustrate the types of situations we help professionals navigate. Every client's situation is unique.
COMPOSITE SCENARIO — SURGEON, BC
"She kept the practice. The kids' tuition didn't move."
An orthopedic surgeon with a $450K annual income experienced a hand injury that prevented her from operating for eight months. Her employer group plan would have provided approximately $10,000/month — not enough to cover a $14,000 mortgage, $8,000 in practice overhead, and the family's living expenses.
With an individual own-occupation disability policy in place, she received a combined monthly benefit that helped cover her full financial obligations — without depleting savings or disrupting her children's education plans.
COMPOSITE SCENARIO — DENTIST, AB
"The practice stayed open. The staff stayed employed."
A dentist with a thriving practice was diagnosed with a critical illness that required four months away from the chair. Without business overhead protection, the practice would have faced difficult choices about staff retention and lease obligations.
A combination of critical illness coverage and business overhead expense insurance helped maintain practice operations, kept the team intact, and allowed for a full return to patient care without the added stress of financial recovery.
With an individual own-occupation disability policy in place, she received a combined monthly benefit that helped cover her full financial obligations — without depleting savings or disrupting her children's education plans.
COMMON QUESTIONS
Answers before you ask
How is Pearl Roze different from my financial advisor?
Financial advisors typically focus on investments and wealth accumulation. We focus exclusively on income protection and insurance strategy — the foundation that ensures your financial plan holds together if your ability to earn income is disrupted. We work alongside your existing advisors, not in place of them.
Do you sell insurance policies?
We are licensed insurance advisors. If our analysis identifies gaps in your coverage, we can recommend and facilitate appropriate solutions from multiple insurance carriers. We are transparent about our compensation structure and always disclose how we are paid. You are never under any obligation to purchase through us.
Why does "own occupation" matter for professionals?
"Own occupation" coverage means you may receive disability benefits if you're unable to perform the specific duties of your profession — even if you could theoretically do other work. For a surgeon who can no longer operate or a dentist who can't hold instruments, this distinction can be the difference between receiving benefits and being denied. Many group plans use a broader "any occupation" definition that provides less targeted protection.
I already have coverage through my employer. Isn't that enough?
Group plans are a valuable benefit, but they often have monthly caps, may use broader disability definitions, and can change or end if you leave your employer. For high-income professionals, group coverage alone may replace only a fraction of your actual income. A review of your specific group policy alongside your financial obligations can help you determine whether supplemental individual coverage may be worthwhile.
Which provinces do you serve?
Pearl Roze Advisory is currently licensed to provide insurance advisory services in British Columbia, Alberta, and Ontario. All consultations are available virtually, so geography is never a barrier to accessing our expertise.
Is the initial consultation really free?
Yes. The initial 30-minute coverage review is completely complimentary with no obligation whatsoever. We believe that understanding your current situation is the first step — and it should never come with a price tag or pressure to buy anything.