Disability Income Insurance

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Disability  Income Insurance is protection against illness or injury that  may result from loss of income for a period of time. It pays cash  benefits to the policyholder in the event the insured is unable to work  due to sickness or injury. That cash benefit ranges from 50% to 70% of  income. 

When assessing whether you have a need, please consider these questions:

• Paycheck Insurance - How long could you afford to go without a paycheck?
• Mortgage Insurance - How long could you continue to pay your mortgage if you were unable to earn an income?
• Retirement  Protection - Would you have to borrow money from your  retirement savings if you were disabled for longer than 6 months?
• Lifestyle Protection - Would you be able to maintain your current lifestyle if you were unable to earn an income.

What types of Disability Income coverage are available?

• Short-term Individual Disability
• Long-term Individual Disability
• Business Overhead Expense (BOE)
• Buy-Sell
• Loan Indemnification
• Contract Indemnification
• Critical Illness
• Kidnap and Ransom
• Accidental Death and Dismemberment
• High Limit Coverage
• Simplified DI, BOE, and Buy-sell
• Guaranteed Issue
• Multi-life Discounts (3 or more lives)
• True Occupation coverage for Physicians and dentist
• Impaired Risk

Contact us today to learn more about our occupational policies.