Protect Your Most Valuable Asset — Your Income
If an illness or injury kept you from working, could your family still cover the bills? Disability insurance replaces a portion of your paycheck so life keeps moving. I help individuals, the self-employed, and business owners protect the income everything else depends on.
You’re 3 to 5 times more likely to become disabled than to die during your working years — yet most people insure their car and home, but not the income that pays for them.
Your Income Is Your Biggest Asset
For most people, the ability to earn a living is worth more than their home, car, and savings combined — yet it’s the one asset most often left unprotected.
Will be disabled
Share of today’s 20-year-olds who’ll miss work due to disability before retiring.
Income replaced
Typical share of your paycheck a policy pays — usually tax-free.
Aren’t accidents
Most long-term disabilities come from illness, not a sudden injury.
What happens to a $6,000 monthly paycheck
Income Protection Estimator
See roughly what a policy would pay you each month if you couldn’t work.
Your monthly income: $6,000Real Income Protection, Built Around You
Tax-Free Benefits
When you pay the premiums yourself, the benefits you receive are generally free from income tax.
Fully Portable
A policy you own goes with you from job to job — you never lose coverage when you change employers.
Non-Cancelable
As long as your premiums are paid, the carrier cannot cancel your policy or change the terms.
Guaranteed Renewable
Your premium is locked in and will never increase for the life of the policy.
Supplements Group Coverage
Tops up your employer’s long-term disability so you protect a larger share of your income.
Own-Occupation Options
Get paid if you can’t work in your specific profession — not just any job at all.
Short-Term vs. Long-Term Disability
Short-Term Disability
Replaces a portion of your income for a short period — typically a few weeks to a few months — after an illness or injury. It bridges the gap before long-term coverage begins.
Long-Term Disability (long-term disability)
Replaces a portion of your income for years — or all the way to retirement — if a serious illness or injury keeps you out of work. This is the core of true income protection.
Coverage for Every Situation
Individuals
Anyone whose family depends on their paycheck to cover the mortgage, bills, and everyday life.
Self-Employed
With no employer safety net, your own disability policy isn’t optional — it’s essential.
Business Owners
Protect your personal income and your business with individual and key-person coverage.
Is Disability Insurance Right for You?
Check each statement that applies to you. It takes ten seconds and points you in the right direction.
Disability Insurance FAQ
Isn’t my employer’s coverage enough?
Often not. Group long-term disability usually replaces a smaller share of income, may be taxable if your employer pays the premium, and typically ends when you leave the job. Many people add an individual policy they own and control, so the protection follows them anywhere.
How much does disability insurance cost?
As a rough guide, individual long-term coverage runs about 1% to 3% of your annual income per year, depending on your age, occupation, health, and the features you choose. The only way to know your exact number is a quote.
What is “own-occupation” coverage?
It means the policy pays if you can’t perform the duties of your specific profession — not just any job at all. It’s the strongest definition of disability and especially valuable for skilled professionals.
Do I need it if I’m young and healthy?
That’s the best time to buy. Premiums are lowest when you’re young and healthy, and locking in coverage protects you before any health issue could make you harder to insure.
What counts as a disability?
It depends on your policy’s definition. The strongest policies use an own-occupation definition. Most disabilities come from illnesses — like cancer, heart conditions, or back problems — not just accidents.
Don’t Leave Your Income Unprotected
Get a free quote in minutes or call me directly — independent advice, the right carriers, and no broker fees, ever.