Disability Income Insurance

Disability Quote for Paris Laughlin
Disability Quote for Stuart Ouellette
Disability Quote for Rachel Laughlin
Disability Quote for Katie Hernandez 

Many Americans cannot afford to miss even a single paycheck, and most are not financially prepared for emergencies. Business owners face similar risks, including income loss and business disruption due to disability. Disability insurance provides crucial protection for both individuals and businesses, ensuring continuity of income and financial security.

We partner with leading carriers and industry experts to offer a broad range of disability insurance products. Our partners provide support in underwriting, online enrollment, electronic signatures, and policy management.

Disability Insurance Solutions

For Employers

• Group Disability Programs – Protect employees’ income while enhancing recruitment and retention.

• Buy-Sell Planning – Fund business buyout agreements if an owner becomes disabled.

• Business Overhead Expense Protection – Reimburse business expenses for small business owners.

For Individuals

• Disability Insurance – Replace lost personal income due to disability.

Types of Disability Insurance Programs

1. Individual Disability Insurance – Replaces personal income lost due to disability.

2. Business Overhead Expense Insurance – Covers ongoing business expenses for small business owners.

3. Buy/Sell Disability Insurance – Provides funding for business ownership transitions.

4. Retirement Disability Insurance – Protects retirement savings during periods of disability.

5. Key Person Disability Insurance – Protects businesses from the loss of essential employees.

6. Loan Indemnification Policies – Covers loan obligations in the event of disability.

7. Group Disability Plans (AFLAC, Allstate) – Pays cash benefits to employees in addition to other insurance coverage.

Policy Types

• Short-Term Disability (STD) – Waiting period: 0–14 days; maximum benefit period: up to 2 years.

• Long-Term Disability (LTD) – Waiting period: several weeks to months; maximum benefit period: several years or lifetime.

Disability policies have protection features

1. Non-cancelable means the policy cannot be canceled by the insurance
   company, except for nonpayment of premiums. This gives you the right to
   renew the policy every year without an increase in the premium or a
   reduction in benefits. 
2. Guaranteed renewable gives you the right to renew the policy with the
   same benefits and not have the policy canceled by the company. However, your
   insurer has the right to increase your premiums as long as it does so for
   all other policyholders in the same rating class as you.

Key Policy Features

• Non-Cancelable – Policy cannot be canceled (except for nonpayment); premiums and benefits remain fixed.

• Guaranteed Renewable – Policy can be renewed without cancellation, but premiums may increase across the same rating class.

Additional Options and Riders

• Additional Purchase Options – Ability to buy more coverage later.

• Coordination of Benefits – Ensures total benefits account for other disability coverage.

• Cost of Living Adjustment (COLA) – Benefits increase over time to match inflation.

• Residual or Partial Disability Rider – Allows part-time work while receiving partial disability benefits.

• Return of Premium – Refund of premiums if no claims are made within a specified period.

• Waiver of Premium – Premium payments are waived after 90 days of disability.

We offer leading disability income insurance carriers for employers and individuals 

• • Assurity Life Insurance Company

  • Capital Benefits

  • Companion Life

  • Fidelity Security Life Insurance Company

  • Guardian

  • Illinois Mutual

  • Kansas City Life Healthy Choices

  • LifeMap

  • Lincoln National

  • Mutual of Omaha

  • Petersen International Underwriters

  • Principal Financial Group

  • The Standard

  • Unum

Whether you are an individual seeking income protection or an employer designing a group plan, we can help create a disability insurance solution tailored to your needs. Contact us today to explore coverage options, request quotes, and build a plan that provides peace of mind and financial security.