What Happens If Your Income Stops Due to Illness?
Built for working families and tradesmen who rely on their income every day.
Most families discover income gaps only after recovery begins—not before.
Get clarity on your financial risk and discover where income gaps may exist—before something unexpected happens.
How It Works
1 — Take the 60-Second Quiz
Identify possible income gaps.
2 — Review Your Risk
Understand where exposure may exist.
3 — Book a Short Review
Get clarity on your options.
Takes about 15 minutes • No pressure • No obligation
Built for Working Families Who Depend on Their Income
- Tradesmen supporting families
- Parents with monthly obligations
- Households relying on steady income
- Workers with employer benefits
- Anyone unsure what happens if income stops
Most Families Are More Exposed Than They Think
Many families assume workplace benefits or savings will cover them during illness.
But recovery from serious illness often takes longer than expected—and income gaps appear faster than most realize.
Here’s What Most Families Assume
- “My workplace benefits will be enough”
- “Savings will last longer than expected”
- “Government programs will cover most costs”
Many families only discover the truth after reviewing their actual coverage.
What Would Happen If You Couldn’t Work for 90 Days?
Mortgage payments continue.
Groceries continue.
Utility bills continue.
But income may slow—or stop completely.
This is where many families discover their financial protection isn’t what they expected.
Some Protection Options Refund Premiums If Never Used
Most people avoid protection because they fear losing money.
Some modern options provide:
- A lump sum if diagnosed
- Financial support during recovery
- Premium refunds if coverage is never used
This allows families to protect income without feeling like money is wasted.
A Situation Many Families Face
Imagine being unable to work for 90 days due to illness.
Bills continue. Mortgage payments continue. Daily expenses continue.
But income slows—or stops completely.
This is where many families realize their protection isn’t what they expected.
Want to See Where You Stand?
Takes about 15 minutes • No pressure • No obligation
Common Misunderstandings About Income Protection
- “My workplace benefits are enough”
- “Savings will last longer than expected”
- “Government support will cover most costs”
Meet Jessil Serna
Trusted Guidance for Working Families
- Licensed to provide Accident & Sickness and Critical Illness coverage across Alberta.
- Focused on income protection strategies
- Serving Alberta families
- Virtual and in-person consultations available
I work with working families and tradesmen who rely on their income to support their households.
My focus is helping families identify income risks before illness creates financial pressure.
Many people assume their workplace benefits are enough—but after reviewing their coverage, they often discover unexpected gaps.
My role is simple: provide clarity so families can make confident financial decisions.
Simple 3-Step Process
Step 1
Take the Risk Quiz – Answer a few short questions.
Step 2
Review Your Results – See where potential gaps exist.
Step 3
Book a Risk Review – Get clarity on options.
Simple. Predictable. Safe.
Takes about 15 minutes • No pressure • No obligation
What Recovery Often Looks Like
Week 1–2:
Medical diagnosis and treatment begins.
Month 1–2:
Income slows or stops.
Month 2–4:
Savings begin to shrink.
Month 4+:
Financial pressure builds quickly.
This is where most families wish they reviewed their protection earlier.
The quiz takes less than 60 seconds and helps identify hidden income risks.
What to Expect From a Risk Review
- Takes about 15 minutes
- No pressure or obligation
- Clear explanation of potential income gaps
- Personalized review based on your situation
Ready to See Where You Stand?
Takes about 15 minutes • No pressure • No obligation