Disability Insurance Solutions
Protect your most valuable asset—your ability to earn an income—with disability insurance that provides financial security when you need it most.
Why Disability Insurance Matters
Your ability to earn an income is your most valuable financial asset. Disability insurance helps protect that asset and your financial future.
Income Replacement
Disability insurance provides a portion of your income if you're unable to work due to illness or injury, helping you maintain your lifestyle.
Financial Security
Protect your savings and investments from being depleted during a period of disability, preserving your long-term financial goals.
Family Protection
Ensure your family's needs continue to be met even if you're unable to work, providing peace of mind for you and your loved ones.
Debt Protection
Continue making mortgage, car, and credit card payments even while disabled, protecting your credit and assets.
Tax Advantages
Benefits from individually-owned disability policies are typically tax-free, maximizing the value of your coverage when you need it.
Recovery Time
Disability insurance gives you time to focus on recovery without the added stress of financial pressure, potentially leading to better outcomes.
The Reality of Disability Risk
Many people underestimate their risk of becoming disabled and the potential financial impact.
20-year-olds will become disabled before reaching retirement age
Average length of a long-term disability claim
Of disabilities are caused by illnesses rather than accidents
Don't leave your financial security to chance. Disability insurance provides the protection you need to maintain your lifestyle and financial goals even if you're unable to work.
Protect Your Income TodayDisability Insurance Coverage Options
We offer a variety of disability insurance solutions to meet your specific needs and budget.
Short-Term Disability Insurance
Provides income replacement for short disability periods, typically up to 6 months.
- Benefits begin after a short waiting period
- Typically replaces 60-70% of income
- Covers temporary disabilities
Long-Term Disability Insurance
Provides income protection for extended disabilities, potentially until retirement age.
- Benefits begin after 90-180 days
- Can provide benefits for years or decades
- Customizable benefit periods
Business Overhead Expense Insurance
Helps business owners cover operating expenses if they become disabled and unable to work.
- Covers rent, employee salaries, utilities
- Keeps your business running during disability
- Tax-deductible premiums for businesses
Frequently Asked Questions
Find answers to common questions about disability insurance coverage and options.
Protect Your Income Today
Don't leave your financial security to chance. Get the disability coverage you need.