Many people think their home is the biggest asset they own. We believe your biggest asset is your ability to work and earn an income. For most of us, paying the mortgage and other bills would be nearly impossible if we couldn’t work due to a disabling illness or injury. Disability insurance helps replace a major portion of your income when you are sick or injured and unable to work. For this reason, many people think of it as “paycheck protection.” Disability insurance, along with life insurance, can offer the protection you need to ensure that your family doesn’t lose their home or other valuable assets if the unthinkable happens.

This can be used as a stand-alone policy or as an add on to your life insurance policy.

We can assist you in this valuable coverage, and normally without the need for a physical exam. Today, many households rely on two incomes to pay the mortgage and all of the household bills. Without a solid disability plan, your family could be at a significant risk.

Disability Insurance is for people who:

  • Need paycheck protection or income replacement.
  • Would like a paid for mortgage in the event your income stops due to disabling injury or illness.
  • Need to supplement or replace a plan or coverage offered by your employer.
  • Are looking for competitive, affordable premiums, often without the hassle of a physical exam.
  • Understand that an illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65.
  • Know that their chance of missing at least 90 days of work due to a disability is just under 1 in 3.