Disability Insurance provides you financial assistance if you are unable to work due to an injury or illness. This type of coverage provides 24 hour protection for you. Whether at work or home, you are protected. Our experts will walk you through the many options. Our plans cover people for 2 years, 5 years, or until age 65. Many people choose to add on riders that protect against a partial disability, inflation, and future higher earnings.
What can I use it for?
Disability payments come to you on a monthly basis. You will receive a percentage of your income if you are unable to work. You will choose the amount of coverage, but cannot choose more than 85% of your pre-disability net income. Our experts will guide you through this.
The benefit will be tax-free if you pay for your policy personally. You can use your cash payout any way you want. It’s your money. Our clients tend to use their money:
Who should have disability insurance?
Everyone. We will show you what options exist for you. From there we will choose a plan that will fit your budget. In general, the younger you apply, the lower your price. Your price can be locked-in from now until age 65.