Protect the paycheck everything else depends on.
Disability insurance replaces part of your income if illness or injury keeps you from working. It matters most when there is no employer plan behind you.
Or call (786) 606-0139.
Anyone whose household runs on their income.
- Self-employed and 1099. No employer plan, and no paycheck if you cannot work.
- Professionals. Your income depends on doing your specific job.
- Business owners. The business, and your family, rely on you showing up.
- Single-income households. One paycheck covers everything.
Four things decide what a policy is worth.
Benefit amount
The monthly amount the policy pays. Usually a share of your income, not all of it.
Waiting period
How long you wait before benefits start. A longer wait lowers the premium, so match it to your savings.
Benefit period
How long benefits can last. A few years, or to a set age.
Definition of disability
Own occupation or any occupation. Own occupation pays if you cannot do your job, even if you could do a different one.
Income and health both matter.
Carriers look at what you earn, what you do, and your health history. We will tell you what to expect before you apply.
Already a health or life client? We can add this on a quick call.
Tell us about your income and your work.
Your name, a way to reach you, and a line about what you do. We reply the same business day.