Disability Insurance

Life is full of unexpected events. We can help you find the right solutions to protect a client’s income should they no longer be able to work.

Individual Solutions

Long-Term Disability

Protects your clients’ income during illness or injury, enabling recovery without financial worry.

Excess High Limit Disability

A class of insurance that can be accessed and utilized by individuals and businesses whose needs extend beyond the capabilities of U.S. admitted insurance carriers.

Business Solutions

Key Person Disability

Protects a business from the total disability of a key employee. Helps to minimize the disruption to a business from losing a valued employee.

Business Overhead Expense

Reimbursement for eligible business expenses for which the owner is responsible in case of that owner’s total or partial disablement.

Buy-Sell Disability

Funds a buyout agreement when a business owner becomes permanently disabled and unable to work. Ensures a seamless transition of ownership while protecting the financial stability of the business and its stakeholders.

Business Loan Protection

A policy that helps business owners cover loan payments if they become disabled and can’t work, ensuring financial obligations are met during recovery. This is typically a rider that is added to a Business Overhead Expense policy.

Guaranteed Issue Disability

Typically sought out by employers, this is a type of disability insurance that doesn’t require medical underwriting, offering coverage regardless of health history.