Disability Income
Your ability to earn is your largest asset. Insure it like one.
A serious illness or injury is far more likely to interrupt your career than to end your life, and the average long-term disability lasts nearly three years. Disability income insurance replaces a portion of your paycheck, typically 60 percent, so the mortgage, tuition and retirement contributions keep going while you recover.
What we place
Disability Income, in its forms.
Individual disability income
Portable, own-occupation coverage that stays with you between jobs and tops up group benefits.
Business overhead expense
Keeps rent, payroll and loan payments covered if a business owner cannot work.
Key person and buy-sell funding
Protects a practice or partnership when a principal becomes disabled.
Is this for you?
It usually fits when
- You are a physician, attorney, owner or specialist whose income depends on your skills
- Your employer plan covers less than 60 percent of pay, or is taxable
- You are self-employed with no group coverage
How it goes
Three steps, no pressure
- 01
We assess your income, occupation class and existing group benefits
- 02
We compare definitions of disability, benefit periods and riders across carriers
- 03
We manage financial and medical underwriting to bind coverage
Carrier partners
Who we shop for disability income
- GuardianA++
- PrincipalA+
- MassMutualA++
- AmeritasA
- Illinois MutualA-
- AssurityA-
- The StandardA
- Petersen International
- Mutual of OmahaA+
- Lincoln FinancialA
- PrudentialA+
- Protective LifeA+
- NationwideA+
- Securian FinancialA+
- TransamericaA
- UnumA-
