Disability Insurance
Provides a tax-free monthly benefit to replace lost income while off work due to illness or injury. Coverage is used to:
cover business expenses
replace key members of your team while they are unable to work
fund buy sell agreements for partners that aren’t able to return to the business
cover your personal financial commitments
allow your family to maintain their standard of living
gives time to focus on your health so you can get back to work
Disability policies provide a monthly income until you are able to return to work. There are several factors that impact the cost including amount of coverage needed, waiting period before coverage starts, and how long the policy will pay while off work.
These are strong contracts where the coverage and cost is typically flat until age 65 and can provide income for total, partial and residual disability. Our team is well experienced and work with clients by aligning their needs with a carrier that has the best cost and coverage.