Starting a professional career comes with excitement and challenges, but financial security should never be one of them. This is why the RBC Insurance 2025 Student Savings Program offers exclusive discounts on disability insurance for students and other essential coverage. This program ensures you can focus on building your future without worrying about unexpected financial setbacks.
Why Disability Insurance for Students Matters
A sudden illness or injury can derail your career before it even begins. Disability insurance for students provides a financial safety net, replacing future lost income if you are unable to work due to a disability. Whether you’re pursuing medicine, law, engineering, or another professional field, protecting your income early ensures long-term stability.
Exclusive Benefits of the 2025 Student Savings Program
From October 1, 2024, to September 30, 2025, eligible students and recent graduates can take advantage of special discounts and perks on disability insurance for students and other coverage options:
- Personal Disability Insurance (Personal DI): Protects your income if an injury or illness prevents you from working.
- Student Business Overhead Expense Insurance (Student BOE): Covers essential business expenses so your practice remains operational even if you’re unable to work.
- Critical Illness Insurance: Provides a lump-sum benefit if you are diagnosed with a covered critical illness, allowing financial flexibility during recovery.
With this exclusive offer, you’ll benefit from:
- NO REQUIRED MEDICAL OR BLOOD TEST for students in most qualifying fields
- Simple one-page application
- 100% guaranteed contract that you own and control
- Riders include:
- Own Occupation definition of disability (you qualify for benefits if you are unable to perform your own occupation)
- Cost of Living Adjustment
- Convertible to Long Term Care Insurance
Unlock Significant Savings on Disability Insurance for Students
Participants in this program enjoy exclusive financial advantages:
- Premium Reductions: Students with Personal DI and Student BOE qualify for up to a 25% reduced premium. Plus, future coverage acquired through the Future Income Option (FIO) rider will also include this discount.
- Waived Premiums: After payment of the first monthly premium for Personal DI, Student BOE, or Critical Illness Insurance, the next five months of premiums are waived. This can result in a first-year premium reduction of over 40%.
- Special FIO Feature: If you’re in your final year of study, you can use the FIO Special Option Increase to secure additional disability insurance up to the first-year-in-practice limit. This option is available from six months before to six months after graduation, provided you are working full-time.
Who Is Eligible for This Exclusive Offer?
The 2025 Student Savings Program is available to students and new graduates from accredited Canadian institutions in the following fields:
- Medicine, Dentistry, Veterinary Medicine, Pharmacy
- Engineering, Law, Accountancy (CPA, CA, CGA, CMA)
- Physiotherapy, Occupational Therapy, Psychology (PhD)
- Chiropractic, Optometry, Audiology (With Master’s Degree), Speech Therapy
- MBA Programs, PhD Programs, Computer Science, Data Science
- And many more professional disciplines
If you are within six months of completing your studies or training, you may qualify for this program. For chiropractors and general dentists, applications open three months before completing training.
Additional Perks for Participants
Beyond disability insurance for students, the program includes other valuable benefits:
- Family Compassionate Care Rider: Provides financial support if you need to take time off work to care for a critically ill family member.
- Travel Insurance Discounts: All program participants can purchase travel insurance at preferred rates, ensuring peace of mind while traveling.
Take Control of Your Financial Future
We are committed to helping students and new professionals secure their financial future. With significant savings on disability insurance for students, business overhead coverage, and critical illness insurance, the 2025 Student Savings Program is designed to support you as you transition into your career.
Don’t wait—take advantage of this exclusive opportunity today. Please contact us to get started.
Jaryd Runquist, CPA, B.Comm.
Specialized Insurance Strategist, Wiegers Financial and Insurance Planning Services Ltd.
Note: The information on this webpage is not binding. Please speak with an advisor for confirmation of your eligibility and contract details.