Disability Insurance
Protect your income if you're unable to work due to illness or injury. Essential coverage for your financial stability.
What is Disability Insurance?
Disability insurance is income protection that pays you a monthly benefit if you become unable to work due to illness or injury. While most people insure their homes and cars, your ability to earn income is your most valuable asset—and it needs protection too.
With 1 in 4 workers becoming disabled before retirement, disability insurance ensures you can continue paying your mortgage, bills, and daily expenses even when you can't work. It's the safety net that protects your financial life when health challenges arise.
Protect Your Most Valuable Asset: Your Income
Learn why disability insurance is essential and how it protects your financial stability if you can't work.
Why Disability Insurance is Essential
Your Income is Your Greatest Asset
Over your career, you'll earn millions of dollars. Disability insurance protects this income stream, ensuring financial stability even if you can't work.
Disability is More Common Than You Think
1 in 4 of today's 20-year-olds will become disabled before retirement. Back injuries, cancer, mental health conditions, and accidents can happen to anyone at any age.
Employer Coverage May Not Be Enough
Group disability through work typically replaces only 50-60% of income, may not be portable if you change jobs, and often has limited definitions of disability.
Protect Your Family's Lifestyle
Continue paying your mortgage, car payments, groceries, and children's education even when you can't earn a paycheck. Disability insurance prevents financial devastation.
Social Security Isn't Reliable
Social Security Disability Insurance (SSDI) has strict requirements, long waiting periods, and low approval rates. Private disability insurance provides faster, more reliable protection.
Who Needs Disability Insurance?
Working Professionals
If you depend on your paycheck to pay bills, you need disability insurance. It's that simple.
High-Income Earners
The more you earn, the more you have to lose. Protect your lifestyle and financial obligations with adequate coverage.
Self-Employed
No employer coverage means you're completely exposed. Disability insurance is critical for business owners and freelancers.
Primary Breadwinners
If your family depends on your income, disability insurance ensures they're protected if you can't work.
Young Professionals
Lock in lower rates while you're young and healthy. Disability risk increases with age.
Specialists & Professionals
Doctors, lawyers, executives—protect your specialized income with own-occupation disability coverage.
Income Protection Success Stories
"When I was diagnosed with cancer, my disability insurance replaced my income for 18 months. I could focus on recovery without financial stress."
— Amanda R.
Marketing Director, Denver, CO
"A back injury kept me out of work for 8 months. My disability policy covered 70% of my income—we didn't lose our house or fall behind on bills."
— Carlos M.
Construction Manager, Miami, FL