Secure Protection Plan

    Disability Insurance

    Your ability to earn an income is your most valuable asset. Protect it against unexpected illness or injury.

    Disability Insurance Solutions

    Protecting your most valuable asset—your ability to earn an income—is simpler than you think with disability insurance. As a professional or pre-retiree, unexpected illness or injury could stop your paycheck overnight, but the right coverage keeps your lifestyle secure.

    What is Disability Insurance?

    Disability insurance replaces part of your income if sickness or injury prevents you from working.
    It's your financial safety net, paying monthly benefits so you can focus on recovery instead of bills—covering essentials like mortgage, groceries, and schooling while safeguarding your savings.

    • Tax-free income replacement (typically 60-70% of your earnings).
    • Coverage for the #1 cause of financial hardship: illness (90% of claims), not just accidents.
    • Flexible options for professionals, business owners, and high earners.
    • Peace of mind knowing your family won't face hardship if you're sidelined.

    Free Disability Coverage Guide

    Understand the difference between short-term and long-term disability, and how to calculate your coverage needs.

    Short-Term Disability (STD)

    Covers temporary income loss from 3-6 months, often at low cost through employers. Ideal for recovery from surgery, minor injuries, or maternity leave.

    Long-Term Disability (LTD)

    Kicks in after short-term ends, providing years or decades of support for serious conditions like cancer, stroke, or chronic illness.

    Companies That We Partner With

    Mutual of Omaha logoMutual of Omaha
    Prudential logoPrudential
    Transamerica logoTransamerica
    New York Life logoNew York Life
    MassMutual logoMassMutual
    Lincoln Financial logoLincoln Financial
    Pacific Life logoPacific Life
    AIG logoAIG
    Guardian logoGuardian

    Who Needs Disability Insurance?

    This coverage fits professionals aged 30-65 who rely on income:

    • Doctors, lawyers, executives with high earnings to protect.
    • Self-employed business owners without employer benefits.
    • Pre-retirees building wealth who can't afford gaps.
    • Anyone with debt, dependents, or lifestyle to maintain.

    Our Disability Insurance Process

    We customize protection to fit your life:

    • Review your income, occupation, and risks in a 15-minute call.
    • Design coverage blending short/long-term with 'own-occupation' definitions.
    • Secure the best rates from top carriers, often with no medical exam.
    • Monitor annually and adjust as your career or family grows.
    Schedule Free Review

    Real-Life Protection Example

    "Meet Sarah, a 42-year-old accountant earning $140K/year. A diagnosis sidelined her for 18 months. Her long-term disability policy paid $8,000/month tax-free—covering her home, kids' tuition, and therapy."

    Ready To Secure Your Financial Future?

    Connect with an disability insurance expert from our team and we will handle everything for you... from start to finish.

    Disability Insurance FAQ