ExpenseComp offers great features and benefits for self-employed clients. By reimbursing business expenses like salaries, rent, utilities and more, ExpenseComp can help make sure clients don’t have to close up shop early because of a loss of income from an illness or injury.


ExpenseComp is ideal for self-employed people directly responsible for business expenses.

ExpenseComp provides monthly reimbursement of business expenses  in case of total disability.  Premiums paid may be tax deductible as an expense.

Issue ages Occupation classes Benefit periods Elimination periods (days) Premium
18 – 60 (age last) 4A, 3A, 2A, A 12 months, 18 months and 24 months 30, 90 Level to age 65, renewable after age 65 for life (4A/3A) or to age 72 (2A/A)

With ExpenseComp, your clients can:

  • Be certain their premiums and coverage won’t change if their health changes
  • Have business expenses reimbursed based on the most preferred definition of total disability (based on own occupation definition for classes 4A and 3A)
  • Get up to $40,000 of monthly benefits
  • Gain the advantage of special carry-over and extended monthly benefit features when business expenses vary from month to month
  • Receive extra payments from the Disposal of Interest in Business feature (includes legal and accounting expenses)
  • Convert to an income replacement plan if protection is no longer needed for business expenses

Optional riders:

Note: Above features may be subject to terms and conditions

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