Disability Insurance
Your Income Is Your Most Valuable Asset
Disability insurance replaces a portion of your income if illness or injury prevents you from working — protecting your lifestyle and your retirement savings.
What Is Disability Insurance?
Disability insurance pays you a monthly benefit — typically 60–70% of your income — if you become unable to work due to illness or injury. Most people insure their home, car, and health, but overlook the income that funds everything else. A long-term disability can be financially devastating without the right coverage in place.
Key Benefits
What Disability Insurance Provides
Income Replacement
Receive a monthly benefit that replaces a significant portion of your income so you can cover living expenses.
Protect Your Retirement Savings
Avoid draining your 401(k) or IRA during a disability — keep your retirement on track even when you can't work.
Own-Occupation Coverage
The strongest policies pay if you can't perform your specific occupation — even if you could do a different job.
Long-Term & Short-Term Options
Choose coverage that fits your situation — from short-term policies covering weeks to long-term policies covering years or until retirement.
Non-Cancelable Policies
Lock in your premium and coverage terms so the insurer can't raise your rates or change your benefits.
Supplemental Coverage
Enhance employer-provided group coverage with an individual policy that follows you if you change jobs.
Who Needs Disability Insurance?
Professionals and self-employed individuals whose income depends on their ability to work
Anyone with a mortgage, family, or financial obligations that require a steady income
High earners who want to protect their lifestyle and retirement savings
Employees with limited or no group disability coverage through their employer
Protect the Income That Funds Your Future
We'll help you find the right disability policy from top-rated carriers — tailored to your occupation and income.