Back to Personal Policies
Protect Your Income When You Can’t Work
Disability insurance replaces a portion of your income if illness or injury prevents you from working. Policies can be short-term or long-term and hinge on key definitions (own-occupation vs. any-occupation), benefit amounts, elimination periods, and benefit durations. Advisors aligns coverage with your household budget and lifestyle, helping you choose riders like residual/partial disability, COLA, and future purchase options so your plan keeps pace with life.
Tailored Coverage Based on Your Income and Role
Because we work to understand your family, debts, savings, and monthly obligations, we can help right-size your benefit amount and duration. The goal: keep essential bills paid and long-term goals intact while you recover—without overpaying for coverage you don’t need.
Mandatory Coverages
The core understandings needed to stay secure and financially protected when the unexpected happens.
Income replacement targeting a meaningful portion of pay (typically 40–60% of gross income)
Clear disability definition—own-occupation is often preferable, especially for specialized roles
Elimination period and benefit duration aligned to your savings, debts, and risk tolerance
Optional Considerations
Additional elements of umbrella policy that help ensure coverage is complete.
Residual/partial disability rider to pay benefits when you can work part-time or at reduced capacity
Cost-of-living adjustment (COLA) to help benefits keep pace with inflation
Future purchase option to increase coverage later without new medical underwriting
Catastrophic disability or retirement protection riders, where available
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Own-occupation is often preferable—particularly for specialized professions—so you’re covered when you can’t perform your specific job, even if you could do other work.
Only if you add a cost-of-living adjustment (COLA) rider; otherwise, benefits remain level and may lose purchasing power over time.
Typically 40–60% of gross income; higher percentages may be available with underwriting.
Insurance Pro Tips
Explore our expert advice on insurance and risk management.
Are you Underinsured?
Do you have enough insurance protection for your home if there were a natural disaster? What about insurance to protect the contents of your home? Find out if you're underinsured.
Fireworks Safety
For most of us, the Fourth of July is a time to enjoy the company of family and friends, having fun and creating memories – whether at home or away. But for some families, the holiday is a nightmare. Homes are damaged, and sometimes destroyed, by wayward fireworks. Thousands of people are injured in
Insurance Terms, Explained!
Insurance can be very confusing. If you're wondering about certain insurance terms like GAP or claims or deductible, you've found the right resource.
"They are very responsive, professional, and always make sure I understand my options.”
