Disability Insurance

Disability strikes without warning.  Unfortunately, many are totally unprepared for the financial hit that it can bring.

Imagine you're suddenly unable to work. Without an income, you quickly exhaust your savings, undermining your family's financial security. The stress and sleepless nights can seem unbearable and it could continue for a long time with long-term disabilities lasting 31.2 months on average.  Over half of all personal bankruptcies and foreclosures are a consequence of disability, according to a 2005 Harvard study.  Those who think they may be at a low risk for disability may be surprised to know approximately 90% of disabilities are caused by illnesses rather than accidents or injuries.

A health insurance plan may cover some of the medical expenses you incur and traditional life insurance plans can provide protection to your beneficiaries should the disability take a turn for the worse, but neither will replace the income you lost while unable to work.  A disability insurance plan can be a lifeline to protect against these unforeseen issues.

This section covers the basics of disability insurance. If you would like to get an individual disability insurance quote simply complete and submit the appropriate form using the quote link above.

Here's a sampling of the disability carriers we can offer clients.