Disability Income Insurance

We often take our income for granted, even in the most "secure" of jobs. However, nobody's income is guaranteed. You are earning a living, but if you suffered a serious illness or injury that prevented you from working, then your income would stop.

How would you live without income for weeks, months, or even years?

Life doesn't stop at disability. Your basic needs continue - food, clothing, shelter - even after your ability to meet them is cut off.

A long-term disability can be financially devastating, when no money is coming in and expenses for medical care are rising. Your ability to earn an income is a valuable asset that can, and should, be well-protected.

For Individuals

Individual policies are available for people in all type of occupations. Whether you are a teacher, business executive, or medical professional, a disability income policy can be designed to meet your needs and budget. 
Know Your Odds... Statistics of a Disability

Causes of Disability Claims

The Value of Your Gross Lifetime Earning Potential

Protecting Your Most Valuable Asset

Two Employment Packages: Healthy vs Disabled

Balancing Two Budgets - Business Overhead Expense

For Small Business Owners

Small-business owners and their companies may benefit from two types of disability policies.
​
  • Business Overhead Expense (BOE) reimburses business owners for the expenses necessary to keep their company running upon the disability of any of the owners. 
  • Business Buy-Sell provides the funds to effect an orderly transfer of ownership in the event of a business co-owner's disability.