Income Protection May Be Worth Considering If You:

• Depend on your paycheck. 
• Have people who depend on you. 
• Have monthly bills that won't stop if your income does. 
• Own a business or are self-employed. 
• Would struggle to replace your income from savings alone. 
• Aren't sure your current disability coverage is enough.

If you checked off even one or two of these, let's have a conversation. I'd be happy to help you explore your options—no pressure, no obligation. 

Employer-provided disability coverage can be a great benefit—but it may not provide as much protection as you think.

Ask yourself:

• Does it replace enough of your income? 
• Are commissions, bonuses, or other incentive pay included? 
• Are benefits taxable? 
• Will you lose your coverage if you change jobs? 

If you're not sure, an individual disability policy may help fill the gaps—and it stays with you, even if your employer doesn't.

Protecting your income doesn't have to be an all-or-nothing decision.

If replacing your full income isn't within your budget right now, consider starting with a benefit amount that helps cover a few of your biggest monthly expenses—like your mortgage or rent, student loans, groceries, or utilities.

Even partial income protection can make a meaningful difference if an illness or injury keeps you from working.

You can always review and increase your coverage later as your income, responsibilities, or budget change.

Some income protection is almost always better than none.

If a covered illness or injury prevents you from working, your policy can provide a monthly benefit to help replace part of your lost income.

That money can help you continue paying your regular expenses while you focus on getting better.
 

You choose your coverage
The monthly benefit and policy features are designed around your income, occupation, and needs.

You continue living your life
Benefits can help cover everyday expenses when your regular paycheck is interrupted.

You receive personalized guidance
We help you compare options and understand what you are actually buying.

Many people are surprised to learn that income protection often costs around 1% of your annual income, depending on your age, health, occupation, and the coverage you choose.

But perhaps the better question isn't, "What does it cost?"

It's "What's your ability to earn an income worth?"

Over the course of your career, your paycheck may be your most valuable financial asset—often worth far more than your home, your car, or your retirement account. Yet it's one of the few assets many people never think to protect.

The best way to find out what income protection would cost for your situation is to request a personalized quote.

No one expects to become disabled. Yet the reality is that an illness or injury can interrupt your ability to earn a paycheck when you least expect it.

Consider these facts:

• More than 90% of long-term disabilities are caused by illnesses—not accidents.
• Many working Americans would face financial hardship after just one month without a paycheck.

For many individuals and families, income protection provides something that's hard to put a price on: the ability to keep moving forward when life doesn't go as planned.