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This section is for Registered Massage Therapists..

All Registered Massage Therapists, as business owners, need to place special attention on their income replacement needs. If one is unable to stand to do a massage, one is not able to generate an income. Therefore, it is almost critical for RMT's to have injury/ accident protection, especially for those continous movement injuries, such as carpal tunnel syndrome, bursitis and tendinitis. As well, income protection can cover you 24 hours/day 7 days/week - on the job and the enjoyment that you want to have on the weekends, outside of the office. You can have your coverage start on the 1st day of your injury, as well.

Critical illness protection plans are becoming very popular with RMT's, as it gives protection for a life-altering illness, but also gives ALL of YOUR MONEY BACK if you remain healthy at the end of the plan. This product is a WIN-WIN opportunity and is best designed for our generation living with advanced medical technology in the 21st century. The protection is basically the same with most insurance companies: the choices they offer you, though, is how soon do you want to have ALL of your money come back to you? If it is proven statistically that 80% of us will become sick before we die, would you say this product makes a lot of sense?
Statistics:  Critical Illness 1:3; Disability lasting longer than 3 months 1:8; Death 1:106

Disability Income Protection Plans are available in 2 choices: InjuryAccident only (Guaranteed issue with no questions asked) or Injury/Accident/Illness.
Long Term Care Insurance Protection Plans are NOT designed to replace disability protection plans.
For additional information on when to buy long-term care insurance, please see Money Magazine article: http://money.cnn.com/2008/04/28/pf/insurance/long_term_care.moneymag/index.htm

In the past 5 years, I have developed an extensive knowledge of the RMT business and have many RMT's as clients. Please feel free to contact me with any inquiry you may have in health and disability protection for you, your business and your family. 

Referral Note: Valerie knows first hand what it is like to live with a disability, so she approaches her work in a very caring and sensitive manner.  She will recommend what is in her client's best interests and works with integrity and professionalism.  
Barbara D. Carter, RHU, CSA | Senior Account Executive, RBC Insurance