Prairie Rose Benefits — Living Benefits Insurance for Alberta and BC
Morgan Haryett · Licenced Insurance Agent · Red Deer, AB
You work hard. Make sure an injury or illness doesn't take it all away.
I help individuals, families, and small businesses across Alberta and BC get living benefits — insurance you can actually use while you're still alive, when life takes an unexpected turn.
What Are Living Benefits?
Insurance you can actually use while you're still alive.
Most people think of insurance as something their family collects after they're gone. Living benefits are different — they pay out when you need it most: when you're injured, seriously ill, or unable to work. If you're self-employed, work in the trades, run a farm or ranch, or own a small business, this kind of coverage can be the difference between getting through a hard time and losing everything you've built.
Our Policies
Protection for what matters most
Accident Hospitalization
Covers hospital stays and related costs when an unexpected accident puts you or a family member in the hospital.
Sickness Hospitalization
Provides financial support for hospital stays due to illness — so a health crisis doesn't become a financial one.
Accident Disability
Replaces a portion of your income if an accident leaves you unable to work, keeping your household stable.
Sickness Disability
Income protection when illness sidelines you — because your bills don't pause when you're recovering.
Critical Illness & Cancer Protection
A lump-sum benefit paid directly to you upon diagnosis of a covered critical illness or cancer, to use however you need.
Accidental Death & Dismemberment
Provides a benefit to you or your loved ones in the event of accidental death or serious injury resulting in dismemberment.
Who I Work With
Coverage for every kind of life
Individuals & Families
Whether you're raising kids, working a trade, or involved in the horse industry — if something puts you out of commission, your family shouldn't have to scramble. Let's make sure they're covered.
Ranchers & Horse Industry
The agricultural and equine world is demanding and unpredictable. You work hard every day — an injury or illness shouldn't threaten everything you've built. Coverage built for people who work the land.
Trades & Blue Collar Workers
Your body is your livelihood. If you're hurt on or off the job and can't work, the bills don't stop. I help tradespeople and labourers protect their income when they need it most.
Small Businesses
You've built something worth protecting. Whether it's just you or you have a small team, I can help you find coverage that keeps your business — and your people — on solid ground.
About Morgan
A neighbour who knows this life from the inside
I'm Morgan Haryett — a full-time horse trainer, born and raised in small-town Alberta, and the founder of Prairie Rose Benefits. I've spent my life in the horse industry, working alongside the kind of hardworking people who don't slow down until something forces them to.
I used to help people with their horses. Now I get to help them with something just as meaningful — their living benefits. Insurance they can actually use while they're still alive, when something unexpected threatens everything they've worked for.
Ready to fill the gaps?
If you can't work, everything stops. Living benefits make sure it doesn't have to.
A quick conversation is all it takes to find out where you stand and what living benefits are available to you. No pressure, no jargon — just straight talk from someone who knows western Canada and the people in it.