For Individuals

Disability Insurance protects your most valuable asset – your income. Protecting your income allows you to continue to pay for your home, your cars, your food, college and vacations, etc - from now until age 65 when your retirement planning takes over. Individual disability income insurance protects your lifestyle expenditures and insures your family's future if you should become disabled from an accident or a sickness.

When purchasing disability insurance, there are certain features to consider like Level or Increasing premiums, Waiting Period, Benefit Period, Total and Partial Disability Definitions, Own Occupation, Cost of Living, Automatic Insurance Options, and return of Premium.

For Business Owners

The potential of a disability poses a triple threat to business owners:

1. If a business owner is disabled and cannot work, and is the key person, how long could the business continue to pay personal salary? Disability insurance continues the disabled owner’s income.
2. How will you cover your business expenses if you aren't there to bring in income? Office Overhead Disability Insurance pays for these expenses.
3. When a business owner becomes disabled, how will the other shareholders activate a buy/out if he does not return to work? Disability Buy/Out insurance keep your investment intact
All the features mentioned above need to be considered as well when purchasing business disability protection.