Why Financial Literacy?

Every Season Carries Costs Nobody Plans For

Rolled ankles, broken wrists, chipped teeth and tournaments out of province are part of youth sport. Provincial coverage helps, but much of what an injured athlete actually needs, like private physio, custom braces and emergency dental work, often comes straight out of the family budget.

Basic Speed Group has partnered with Sean Swaby of Swaby & Associates Ltd. to help our families understand those gaps and put the right protection in place, starting with a short needs analysis to find the right fit for your family.

$49.99Per child / year
6 mo–26Ages eligible
24/7Worldwide coverage
$200KOut-of-province
SS

Sean Swaby

Swaby & Associates Ltd. · Licensed Life and Accident & Sickness Agent

Sean is the accountant and financial expert behind Basic Speed Group's Financial Literacy service, helping athletes' families protect what they've built on and off the field.

Book a Call With Sean

What OHIP May Miss

…and how protection can help. A side-by-side look at common youth sport expenses.

Expense Type
Standard Provincial Coverage (OHIP)
With Student & Youth Protection
Private Physiotherapy & Athletic Therapy
OHIP$0 Limited to long public waitlists
With ProtectionReimbursed up to $800 · $100/visit
Custom Braces, Crutches & Splints
OHIP$0 Paid 100% out-of-pocket
With ProtectionReimbursed up to $1,500
Emergency Dental Repairs & Implants
OHIP$0 Routine/clinic care excluded
With ProtectionFull Fee Guide + up to $2,000 for implants
Ambulance Services
OHIP$45 to $240 bill
With Protection100% covered
Broken Bones & Dislocations
OHIP$0 Direct financial assistance
With ProtectionLump-sum cash payout $150–$1,000
Out-of-Province / USA Tournaments
OHIPMinimal to $0
With ProtectionUp to $200,000 emergency medical

3 Layers of Complete Protection

Choose one layer or build all three. Sean will walk you through what fits your athlete and your household.

02

Child Critical Illness

Tax-free lump sum when it matters most

$25,000–$250,000tax-free lump sum
  • Tax-free lump-sum benefit paid to your family
  • Benefit amounts from $25,000 to $250,000
  • 100% return-of-premium option
  • For youth athletes 6 months to 26 years
  • Sized to your family through a needs analysis
Get Protected
03

Parent Income Safety

Keep the household running

Cash-flow protectionfor parents & guardians
  • Helps protect household cash flow
  • For time away from work caring for your child
  • Designed for working parents & guardians
  • Pairs with Student Accident & Critical Illness
  • Built around your income through a needs analysis
Get Protected

Benefit amounts and premiums shown are illustrative and subject to the terms of the issued policy. See the small print at the bottom of this page.

Key Plan Details

Eligibility

Youth athletes 6 months–26 years

From first steps to varsity and beyond.

Annual Rates

From $49.99/year per child

Complete Student Accident protection.

Claims

Easy online claims portal

With direct deposit options.

Youth Athlete & Family Financial Protection

Download the full one-page overview to share with your family (PDF, 1.1 MB).

Download PDF
Swaby & Associates, Ltd.

You invest in their performance. Protect what it costs when the unexpected happens.

Book a Needs Analysis

Register for Financial Protection

Takes about 2 minutes. Sean Swaby from Swaby & Associates Ltd. will be in contact within 24 hours to start your needs analysis.

1 Protection Interest
Which options would you like to discuss? *
Choose as many as you like.
2 The Parent / Guardian
3 The Athlete
Leave blank if none. Pre-existing conditions can affect coverage, so this helps Sean recommend the right fit.

Your information is only shared with Sean Swaby @ Swaby & Associates Ltd.

Registration received!

Taking you to your next steps…

Basic Speed & Agility Group

Get It in Place Before the Next Game

Book a call. We start with a short needs analysis to find the right fit for your family.

Sean Swaby  |  +1-416-219-1835  |  wealth@swabyandassociates.com

Important information. Sean Swaby, licensed life and accident & sickness agent (ON: FSRAO #16149961 | NB: FCNB #230026564 | BC: ICOBC #LIC-2016-0001384-R01 | NS: NSOSI #21286746700000 | AB: AIC #M-2124122-1763384-2026 & Q-2124122-1763384-2026).

Benefit amounts and premiums shown are illustrative and subject to the terms, limits, waiting periods, exclusions and pre-existing condition provisions of the issued policy. Coverage applies to new accidental injuries occurring after the policy date and does not extend to gradual-onset or overuse injuries. Ambulance and provincial coverage examples are based on Ontario.

Underwritten by iA Financial Group, Travelance and Manulife. Distributed through WFG. This document is not a contract of insurance.

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