La Capitale is one of Canada’s leading specialty disability insurance companies, focusing on the income protection needs of the self-employed, small business owners and qualified individuals in the transportation industry.  Our unique features include the very popular Return of Premium (ROP) product, which at maturity returns to you all your money, less claims, banking and policy/rider service charges.  In 2015 alone, over 2,700 of our clients received ROP refund cheques of their premiums, totaling more than $30,000,000.