Disability Insurance

What Is Disability Insurance?

Disability insurance replaces income if a client cannot work due to illness or injury. Advisors use it to protect clients' earning power and maintain financial plans.

Disability Insurance Policy Features

Comprehensive coverage options designed for maximum protection

Income Replacement

Benefit payout up to 60-80% of income to maintain your clients' standard of living during disability.

Comprehensive Coverage

Protection for partial, temporary, and catastrophic disability with flexible benefit structures.

Mental Health Coverage

Specialized coverage options for mental health conditions and professional-specific disability risks.

Advisor Benefits

Tools and support designed to enhance your practice and serve high-value clients

Comprehensive Policy Portfolio

Access to a wide range of disability insurance products to meet diverse client needs and financial situations across all income levels.

Fast Application Process

Streamlined underwriting and application procedures that reduce wait times and improve client experience.

High-Income Client Support

Specialized programs for physicians, executives, and business owners with tailored coverage options and higher benefit limits.

Strong Claims Support

Dedicated claims assistance from top carriers with proven track records of fair and timely benefit payments.

Disability Insurance FAQs

Common questions about disability insurance solutions (Click to Expand)

Who needs disability insurance the most?

Higher-income earners, physicians, business owners, and skilled professionals who depend on their specialized skills and training for income generation. These individuals often have the most to lose financially if they cannot work in their chosen field.

What is 'own-occupation' disability coverage?

Benefits are paid even if the insured can work in a different field than their original occupation. For example, a surgeon who can no longer perform surgery but could work in another medical capacity would still receive full disability benefits under true own-occupation coverage.

Can clients add more coverage later?

Yes, riders allow for future increases without medical underwriting. Future increase options and cost-of-living adjustment riders enable clients to increase their coverage as their income grows, protecting against inflation and career advancement without additional medical exams.

Protect Your Clients' Most Valuable Asset

Their ability to earn income. Get started with our disability insurance solutions today.

Get Started Today