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Superior Program Disability Insurance

Superior Program is a disability insurance product that offers comprehensive coverage in life and health insurance for all workers and professionals ─ even the self-employed.


You are eligible if you:

  • are between the ages of 18 and 59 inclusively;
  • work at least:
    • 21 hours per week on a regular and continuous basis; or
    • 8 months per year totalling 1,050 hours; or
    • 4 months per year totalling 1,050 hours*.
  • meet iA Excellence underwriting criteria;
  • are a Canadian citizen or reside in Canada and meet certain criteria.

Main coverages

Your contract must include at least one of the following coverages:

Disability insurance - This coverage provides for: Overhead expense insurance for small business owners - This coverage provides for:

Additional coverages

You benefit from the following additional coverages or clauses, at no extra cost:
Superior Program disability insurance offers other optional benefits, such as: You may also purchase riders to expand your protection:
  • Accidental death, dismemberment or loss of use
  • Accidental fracture
  • Extended medical care further to an accident
  • Travel insurance (also available for family)


For more information, please refer to the Superior Program brochure (PDF – 2,6 MB).


* For seasonal and contractual workers only. To have access, the seasonal and contractual workers rider must be purchased.