Disability is the most important insurance you carry. Becoming disabled through an injury or sickness can mean a significant loss of income. It doesn’t take long to begin to feel the pressure and fear of covering every day bills. Protecting your income with a disability insurance policy may be the most important decision you make. If you can’t pay for your home, auto or other important bills due to a disability you could lose your most important assets.  In essence, this insurance solution protects your paycheck.

A short and long term policy should be a part of your disability insurance protection.  Choosing one, the long term plan is the best option.  However, it happens to be a difficult policy to obtain due to strict underwriting. The potential long term payouts by an insurance carrier make them very selective.  The form below will help us underwrite your situation.

Types of Disability Insurance:

Individual Disability Insurance: Replaces an individual’s income if they are unable to work due to sickness or injury.  If you’re self employed, this is the policy that will likely suit you. Your company may offer a group policy similar to this product. My personal recommendation with the high turnover rate in the business world is to own your policy. That way it goes with you wherever you end up.

Retirement Completion: Allows retirement plan funding to be completed if an injury or illness prevents an individual from working.

Business Overhead Expense: A policy that reimburses the insured business owner for covered expenses that are incurred in the day-to-day operation of business.

Disability Buy Out: Provides necessary funds to buy out the business interest of the disabled owner.

Key Person Coverage: Helps provide funds to a business for protection against financial loss that can occur during a key person’s disability.

Business Loan Protection: Specifically designed to make loan payments if the business owner is too sick or injured to work.

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