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Disability Insurance Solutions

Disability Insurance, often called DI or disability income insurance, is a form of insurance that insures your earned income against the risk that a disability will make working (and therefore earning) impossible. It includes paid sick leave, short-term and long-term disability benefits.

Our specialists are here to audit your current disability insurance portfolio and to help you develop comprehensive disability solutions based on needs, goals, and objectives. Our broad product portfolio helps protect you from the threat of a disability:

Disability income (DI) insurance – provides personal income protection for individuals to help keep a roof over their heads.

Key Person Replacement – provides benefits to the business to help offset the loss of a key employee due to a total disability.

Overhead Expense (OE) insurance – reimburses owners for fixed business expenses during a disability to help keep their businesses’ doors open.

Disability Buy-Out (DBO) insurance – funds a buy-sell agreement to buy out a disabled business owner to help keep the business value intact and ensure its succession.

We also offer customized, high limit financial coverage for high-income earners with considerable monthly benefits as well as significant lump sum benefits. 

Contact us today.

Insurance guarantees are based on the claims-paying ability of the issuing insurance company.