Income Protection

We all think we’re invincible and accidents and serious illnesses only happen to “the other guy”. Not true. According to Ramsey Solutions, in 2024, one in four 20-year-olds will experience a disability lasting 90 days or more before reaching retirement age. Could you and your family afford to maintain your standard of living that long if something happened to you? I’m guessing that most would say no. The cost of disability insurance is not a “heavy lift” but can become a critical piece of your financial plan if you should ever need it.

Some employers offer a disability benefit, but having a private policy allows you to customize your coverage, provide cost-of-living adjustments and have the ability to take that important “safety net” coverage with you should you leave your job. We can assist you with both short-term coverage, which usually lasts up to a year, and long-term disability which is meant to provide a portion of your income if you need coverage for many years or until you reach retirement age. It’s also important to know that Social Security disability benefits are difficult to qualify for and may not be enough to meet the needs of you and your family if you are unable to work.

We are here for all of life’s transitions. Explore our services: