Coverage is defined by the contract
- Definition of disability
- Benefit amount
- Waiting period
- Benefit period
- Exclusions and limitations
- Optional riders
Families & Individuals
Your Income May Be Your Most Important Asset.
Disability income insurance can replace part of earned income when an eligible illness or injury prevents you from working.
Book a Complimentary ConsultationProfessionals need occupation-specific review
Dentists, physicians and other specialized professionals should pay close attention to how their occupation is defined.
Business overhead may be separate
Personal income coverage and business overhead expense coverage solve different problems and may both deserve review.
Frequently Asked Questions
Clear answers. No shortcuts.
Insurance products are subject to policy terms, exclusions, fees and charges. Guarantees depend on the issuing insurer’s claims-paying ability. Tax discussions are educational only; consult qualified tax and legal professionals.