Disability Insurance

Disability insurance coverage - Loss of income if you are disabled.

Group and Individual Plans
Voluntary Group Plans
Qualified Sick Plans
Disability Buy/Sell Plans

Types of Plans

Loss of Income - can replace income up to 66 2/3% of Gross Receipts
Overhead Expense Plans - replaces fixed business expense if the owner cannot work.
Individual Disability Income Insurance

What would happen if your paychecks suddenly stopped because you were too sick or injured to work? What if you couldn't work for months - or years?

You'd still have to pay all your monthly bills, including food, utilities, house and car payments. Add in things like tuition and retirement funding, and it's easy to see how savings could quickly disappear.

You can't reply on other income sources like Social Security to protect you. In most cases, they don't apply or aren't enough. But you can plan ahead to help protect your lifestyle.

We have flexible Disability Income Insurance options that:

Provide monthly income to help maintain your standard of living
Can be customized to fit your particular situation
Help you retain independence and dignity without burdening others
Help your financial dreams and goals for the future intact

Qualification for Coverage Basis

Health Status
Income Verification (usually last 2-3 years)
Occupation and Duties Performed

Purchasing the right insurance that meets your needs can be challenging. Insurance can be one of the most important ongoing purchases you make to protect yourself and your family from financial hardship. Since your needs and financial situation change over time, it is important to understand and review your insurance policies annually to decide if the same policies are still right for you.