Disability Income

When a disability leaves you unable to work for an extended length of time, you lose the ability to earn an income - the one thing you've always relied on to provide for yourself and your loved ones.  Meanwhile, your living expenses continue - in fact, they're likely to increase for a number of reasons.  You could need help around the house or have higher medical expenses, for example.  That's where disability income insurance (DI) comes in.  It's designed to help you maintain your standard of living when you cannot work.  If you don't have much in the way of assets for a financial cushion, you need enough to cover costs and supplement your income until you can go back to work.

Disability income insurance is needed by just about everyone who earns a living.  Surprisingly, in some cases a single person often needs it more than married couples because they don't have a spouse's income to  fall back on if they are injured or become too sick to work.  On the other hand, most married people have a hard time imagining what it would be like to live on one salary when they barely get by on two. Unfortunately, disability strikes more often than you may think.

Therefore, income in many cases is our client's most valuable and vulnerable asset.  We can evaluate and customize a product depending on the occupation of the client and their specific needs.