Disability insurance

Protecting your income —
a small step for big peace of mind.

If there is one thing that is predicable—it is that life is NOT. Most people understand the importance of providing for their loved ones by purchasing life Insurance, but forget to take the step to insure their ability to bring in a paycheck should an unfortunate accident or illness occur. Disability insurance is your shield against the unexpected. Let our team of disability specialists help find a cost-effective option for you depending on the length and amount of coverage you may need.

Click through our approach below to see how we can help you get started today.

Fact Finding

After sitting down, discussing your goals, and asking a few preliminary health questions – we have two initial jobs. First, we conduct a Needs Analysis to determine what a beneficiary would need for income if something were to happen to you. We then look at the Human Life Value, which takes into consideration your income, tax rate, current insurance owned, and how many years until retirement. We are happy to discuss insurance needs independently, but encourage clients to consider them within the complete context of retirement planning and college funding so that we can maximize the efficiency of service and potential of complimentary products.

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    Short term disability basics.

    In most cases, short term disability will provide 50-70% of your weekly salary. This can eat into emergency savings before you know it.

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    Could a disability happen to me?

    Just over 1 in 4 of today’s 20 year-olds will become disabled before they retire. We know, it’s staggering…and accidents are NOT usually the culprit. Back injuries, cancer, heart disease and other illnesses cause the majority of long-term absences. Make sure you are prepared.

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Your Disability Insurance Specialists


Even if you don’t have dependents, losing your income can have a major effect on people you love. And disability insurance can be a lot more affordable than you might think.

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