Individual Disability Insurance helps protect your income if you become unable to work due to illness or injury. You can choose a short- or long-term policy that covers up to 70% of your base monthly income. While many people associate “disability” with severe cases like spinal cord injuries, most claims are made for conditions such as heart attacks, back issues, or even maternity leave. If your income is essential to your livelihood, disability insurance is something you should seriously consider.
Disability Income
Why Choose Us?
Everyone should protect their income and investments from risk of disability.
You have insurance for your house, car, and possibly even your phone. However, the most precious asset you can safeguard with insurance is your income. If you become disabled and are unable to return to work, disability income insurance will provide you with the necessary income to support your lifestyle and preserve your possessions. It can even protect your small business by covering business overhead in the event of a partner or key employee being unable to return to work.
Disability for businesses
As a business owner, protecting your company from unexpected events is crucial. If you have a small business, profession, or firm, and a partner contributes to covering your business overhead expenses, it’s important that they have disability insurance. A Business Overhead Expense (BOE) policy can help cover essential costs like rent, salaries, and office supplies if a partner or key staff member becomes disabled and can’t work. This type of insurance can be vital in keeping your business running smoothly during challenging times. We’re here to guide you through the different options and help you choose the right coverage to fit your business needs.