Disability Insurance



When most people are asked "What is your most valuable asset?" The most common answer is "My home" but in reality, it is your ability to make a living. Without a regular paycheck, most families homes and their way of life are at risk within a sixty to ninety days on average. Let us help you protect you and your family from such a catastrophic event.

Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of your gross income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work. If you pay the premium the benefits are normally received free from income tax, if the premiums are paid by an employer, the benefits are taxable as ordinary income.

Disability Insurance makes sure that regardless of any adverse changes to your health, you can provide for yourself and your family. Every disability insurance policy from every insurance company is quite different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market may not be the best investment. The financial stability of the company holding your disability policy is imperative to the ease of your payments of your claim. Please allow our expertise to guide you in making the best selection for your situation.

There are two primary types of disability insurance short term and long term. Each type can have different lengths of time for coverage, as well as being individual or group plans.


Life Insurance
ID Shield & Legal Shield
Additional Insurances

Business Benefits

Employee Benefits
Disability Income Insurance

Individual Benefits

Health Insurance

Planning For Later

Social Security
Long-Term Care Insurance
Estate Planning