National surveys show that disability insurance remains of high importance for our clients.  That’s because with today’s advancements in medicine, the chances are greater at becoming disabled than dying between the ages of 25 & 45.

You’ll be able provide your clients peace of mind and financial protection should they become disabled with our Short Term and Long Term Disability products, which are available as stand-alone policies for your Individual clients, or as a sponsored Group Benefit or on a Voluntary Basis (Employee Benefit) for your Small Group clients.

How does it work?
During the time your client is unable to work due to a qualifying disability (illness or injury), Disability Insurance replaces your client’s regular income through a monthly benefit paid directly to them to help protect their income and pre-disability lifestyle.

Who needs disability insurance?
Employers often provide standard short-term disability (STD) and long-term disability (LTD) insurance to meet federal guidelines. Individuals who do not have disability through their employer can purchase an individual disability policy.  Additionally, self-employed individuals who desire disability coverage can also purchase an individual policy.  Even those who already have disability insurance through their employer may wish to consider a “wrap around” disability policy to supplement their employer provided coverage.

Individual disability income insurance can be customized to meet your client’s needs and considers occupation, age, income and other factors in determining cost and monthly benefit payment amount.