Disability income insurance helps clients’ protect personal income and/or  business continuation. If the insured become too sick or hurt to work, the policy provides a monthly benefit that can be utilized for whatever purposes they deem necessary. Disability income insurance can be purchased either individually or offered as an employee benefit through work.

Target Market

  • Ages  30-50
  • Earning 40,000+ annually
  • Work at least 20 hours per week
  • Healthy

Individual Disability Insurance (personal)

  • Short Term Disability- Benefit Period of 3 months up to 2 years
  • Long Term Disability- Benefit Period of 2 years or up to Age 70
  • Retirement Protection DI- Benefit contributes a specific monthly amount to protect retirement contributions

Business Owner Solutions

  • Business Overhead Expense – Pays for day to day expenses for the business which also includes income of non-revenue generating employees
  • Business Loan Protection – Continues payments of a specified loan for business assets
  • Disability Buyout Insurance – Used to fund a buyout of a disabled partner of a business
  • Key Person DI (not available in NY)

Group DI Benefit

  • Long Term Disability – Benefit Periods of 2 years or up  to Age 70
  • Short Term Disability – Benefit Period of 3 months up to 2 years