Living Benefits

Benefits that help you stay financially secure in case of serious illness or disability

Life can change in a moment. A serious illness or injury can stop you from working and place stress on your family. Living Benefits provide money when you need it most—so you can focus on recovery, not bills.

At Winch and Kat Financial Solutions Inc., we understand the emotional and financial weight that comes with a major health event. That is why we offer clear, simple protection designed for real life.

What Living Benefits Cover

Living Benefits include 2 types of protection:

Critical Illness Insurance

If you are diagnosed with a covered illness, you receive a tax-free lump sum. You can use this money for medical bills, daily expenses, or anything your family needs during recovery.

Disability Insurance

If an injury or illness keeps you from working, you receive a monthly payment or lump sum (depending on the plan). This helps replace lost income so you can stay on track even while you heal.

Your health and your income are two of your most important assets. Living Benefits help protect both.

For more information, click below to book a free, no-obligation consultation.

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Heart Disease in Canada

Heart disease is the 2nd leading cause of death in Canada.

About 1 in 12 (or 2.6 million) Canadian Adults age 20+ live with diagnosed heart disease.

Every hour, 14 Canadian Adults age 20+ with diagnosed heart disease die.

Death rate is:

- 2.9x higher among adults aged 20+ with diagnosed heart disease vs those without

- 4.6x higher among adults age 20+ who had a heart attack vs those without

- 6.3x higher among adults age 40+ with diagnosed heart failure vs those without

Men are 2x more likely to suffer a heart attack than women.

Men are newly diagnosed with heart disease about 10 years younger than women.

Learn more about heart disease in Canada.

Cancer in Canada

Cancer is the #1 leading cause of death in Canada.

Lung Cancer is expected to cause more deaths than breast, colorectal and pancreatic cancers combined.

It is estimated that about 2 in 5 Canadians will develop cancer in their lifetime, and about 1 in 4 Canadians will die from cancer. In 2022 alone, it is expected that 239,900 will be diagnosed with cancer and 85,100 will die from the disease.

Learn more about cancer in Canada.

Disability in Canada

1 in 7 Canadians have a disability.

Most disabled people are not born with their disability.

1 in 3 working-age Canadians will become disabled and unable to work before they turn 65.

What People Say

Clients' Voices

Testimonials from our satisfied clients.

Catherine Li

"Katrina is the best insurance advisor I have ever hoped for! She is professional, upfront with everything, and always looking out for us. She has always responded quickly to all my questions and concerns. When I've had life changes..."

Denise Lim

"...Overall, I highly recommend Katrina to anyone in need of life, critical illness, disability insurance. She is professional, attentive, and truly cares about her clients. With her expert advice and great attention to detail, you can be assured that you are in good hands and make the right decision that fits your needs and budget."

"I couldn't be happier with Katrina and what she has set my family up for... Katrina was extremely knowledgeable and she provided us a range of options that best suited our situation. I feel safe knowing that if anything were to happen that my family is protected. I highly recommend Katrina and will continue to recommend her to my friends and family."