Toggle disability-insurance riders and watch the trade-off: how each one adds to your premium versus what protection it buys.
Total annual premium
—
base policy + riders
Riders add
—
over the base premium
Monthly benefit
—
income replaced
Premiums to age 65
—
cumulative outlay
Rider ledger: cost vs benefit
How this works. A base disability-income policy replaces about 60% of earned income if you cannot work.
Riders customize that contract: each one adds a slice to your premium in exchange for extra protection or flexibility.
Cheap add-ons (AD&D, hospitalization) cost only a few percent; a return-of-premium rider is the priciest,
typically adding 40–60% to the base premium. A health rating raises the whole premium for extra risk, while an
exclusion rider keeps the standard premium by carving a condition out of coverage. Watch the bars and the ledger
change as you build.
Educational illustration of standard Canadian insurance concepts. Figures are illustrative, not an insurer’s rates.
Illustration only, not a quote or advice. Figures are simplified for education and do not
reflect any specific insurer's rates. Consult a licensed advisor.