Why do you need disability income insurance?
If illness or injury kept you from bringing home a paycheck, how would your family make ends meet? Disability income insurance can help. It replaces some of your lost income so you can continue to pay your mortgage, utilities, childcare, and other everyday expenses.
Get a Disability Insurance Quote by applying below:
Client Proposal Submission Form
Key features of disability insurance
Disability insurance provides a monthly cash benefit to help replace some of the wages you lose when you’re too sick or injured to work.
Affordable monthly protection
Typically disability insurance costs between one and three percent of your salary. That’s dollars a day to help protect your family and your lifestyle.
Flexible coverage
Choose how long you wait to get paid, as short as 30 days—and choose how long you receive benefits, from one year up to retirement age.
Pays if you can’t do your job, not just any job
Get paid if you can’t work at your regular job for up to 2 years, even if you still might be able to work in another job.
Pays while off work and part time
Get paid the full monthly benefit amount if you’re totally disabled, and then partial monthly benefits if you return to work part time.
Most employers provide employees AD&D but not portable Disability Insurance
Accidental Death and Dismemberment Insurance?
Accidental death and dismemberment insurance (AD&D) is usually a rider to a health insurance or life insurance policy. The rider covers the unintentional death or dismemberment of the insured.
Dismemberment includes the loss, or the loss of use, of body parts or functions (e.g., limbs, speech, eyesight, or hearing).paralysis, or the loss of use of specific body parts, such as the loss of sight, hearing, or speech.
The types and extent of injuries covered are particular to and defined by each insurer and policy. It is uncommon for a policy to pay 100% of the policy amount for anything less than a combination of the loss of a limb and the loss of a major bodily function, such as sight or hearing in at least one eye or ear.
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Mortgage disability insurance is a specific type of insurance designed to cover your monthly mortgage payments if you become disabled. Also known as mortgage payment protection insurance, this policy will pay for some or all of your monthly mortgage payments while you are disabled for a specified period of time
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