What would happen if you became unable to work?
An unexpected disability could prevent you from earning income, covering your expenses, and saving for your goals. Disability insurance will work for your income when you can't.
What is disability insurance and how does it work?
Disability insurance provides a monthly benefit to help replace your income if a physical or mental illness or injury keeps you from working. Disability insurance can also cover your business overhead expenses if you own a business.
Disability insurance is one of the most customizable insurance products available which gives us the ability to make an insurance solution that is best suited for your needs. Your coverage can cover you in the short and/or long-term depending on your waiting period and the term of your coverage. The waiting period is the period of time you have to be disabled before you qualify for your benefit. The term of coverage is the length of time you want to be covered should you become disabled.
After you are issued your policy, all you have to do is pay your monthly premium. In the unfortunate case you should become disabled, you file a claim, complete the waiting period, and your monthly benefit payments will follow. Your benefit payment will continue until the benefit period ends or you return to work.
Non-Medical Underwriting Requirements
You will receive monthly payments that will help cover lost income.
Your coverage will have a secured rate until age 65.
You are able to build a personalized plan to fit your needs.
Factors that Influence Coverage Costs
How Do I Determine What Coverage I Need?
While disability insurance may seem intimidating given all of the available customizations, the Insurance Specialists from our team will make you feel quite the contrary. Given their expertise, they will put your mind at ease by customizing a solution that is right for you.