DISABILITY INSURANCE CONCEPTS
Designed to protect one’s income-earning ability; moreover, against the possibility of becoming disabled and no longer having the ability to fulfill financial commitments---and provide for loved ones. Individual Disability Income (DI) may help protect more of your income if you become too sick or injured to work for an extended period of time and is designed for the insured himself. Differently, group long-term disability income insurance through an employer may not be enough---and is not designed, or catered, to an individual’s needs.
Protecting Income | One’s income can, quite likely, be his biggest asset. Without an income, one loses his ability to cover current living expenses, forcing a new lifestyle with reduced means and resources
Protecting Retirement Income | Guarding a nest egg while helping meet current financial obligations and avoiding the utilization of retirement savings. Some policies may enable clients to save for retirement, regardless if you are too sick or unable to work; in addition, some DI contracts can replace contributions to a retirement plan, similar to what one could do so if still given the ability to work
Business Owners / Key Employee Protection | Provides a risk transfer to the insurance company in the case that the key person’s disability impacts the company’s bottom line
Employee Retention Tool | Provides employees added protection to help meet financial expenses during a time of disability
Please contact us for a full list of our Disability Insurance carriers.