ACCIDENT
Insurance

DISABILITY INCOME INSURANCE


What is disability Income Insurance?


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.


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