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Disability Income Insurance

People often ask: What is disability income insurance? One myth about disability income insurance (or, simply – disability insurance) is that it is only for rare, catastrophic accidents. In reality, many rely on these policies to cover the income they’ve lost due to relatively common conditions such as heart disease and arthritis. Learn how disability insurance works – protect yourself and your business.

Types we offer

  • Individual Disability Insurance
    • What it is?
      • Replaces income if you’re too sick or injured to work.
        Can supplement long-term disability coverage that you may have through your employer.
    • Benefits
      • Replaces a percentage of base salary and regular bonus or incentive income.
        Can cover retirement contributions and student loan payments.
        When you pay for this individual coverage with after-tax dollars, any benefit  payments you receive are tax free.
        Your policy belongs to you even if you change jobs.
    • Who it’s best for?
      • You may need individual disability insurance if you or your family rely on your income.
        You are a highearning individual who needs more income protection than the coverage offered by your employer.
        You don’t have any disability insurance through work.
  • Disability Insurance For Business Owners:
    • What it is?
      • As a small business owner, different types of disability insurance can help protect your business if you can’t work as a result of an injury or illness.
    • Benefits
      • Provides several options to help your business continue meeting its daily expenses – including employees’ salaries.
        Offers funding to buy out a partner who can’t work due to illness or injury.
        Continues payment of business loans.
    • Who it’s best for?
      • You’re a small business owner who wants to be certain your business can keep running if you become unable to work due to illness or injury.