Disability Income Insurance
Your income is your most valuable asset—protect it. If illness or injury prevents you from working, this coverage steps in. It replaces a portion of lost income so you can stay on track financially. Most people underestimate the risk—1 in 4 will face a disability before retirement. Disability insurance offers peace of mind when life takes an unexpected turn.
Benefits of our services
We know disability insurance, whether it is for an individual or a benefit for your employees. This is the most basic of all benefits, protect what you can least afford to lose, your ability to earn an income.
- Protects your income when illness or injury prevents work
- Provides monthly benefits to help cover essential expenses
- Supports financial stability during recovery or long-term disability
- Complements employer-sponsored or government disability plans
- Customizable coverage to fit individual needs and occupations
- Delivers peace of mind with reliable, tax-efficient protection
Disability Income Insurance helps replace a portion of your income if you’re unable to work due to illness or injury. It’s designed to protect your financial stability so you can focus on recovery—not bills.
Many employers offer basic coverage, but it often replaces only a portion of your income and may not be portable if you change jobs. Individual coverage can fill the gap and stay with you wherever you go.
Benefit periods and waiting periods vary by policy. You can choose coverage that starts after a short elimination period and continues for a set number of years—or even until retirement age, depending on your needs.