Disability Income is an extremely important product that is highly overlooked. Think about it: if we all have insurance for our homes, autos, and other valuables, why not insure our ability to make an income? Coverage is available to provide the appropriate monthly income benefit desired in the event of a disability from either accident or sickness. Plus this covers you on or off the job 24 hours a day!

Available to employees of companies with all of the benefits that are available to individual policyholders

Group disability is guaranteed issue - no evidence of insurability needed

Disability payable to age 65 in the event of a disability that prevents you from performing all of the duties of your occupation

Choose your own waiting period before benefits begin; 30, 60, 90, 180 days or longer

Residual benefits available due to partial disability

Cost of Living Adjustment (COLA) available to help you keep up with inflation while on disability

Guaranteed Insurance Options - you can increase your monthly benefit amount as your income rises without evidence of insurability (available on all policies)

Group discounts can be had for individual coverage (3 or more) for employees working at the same company

Individual policy benefits are paid in addition to any benefits attained through one’s employer plan

Coverage based on evidence of insurability