Disability Income Insurance

The loss of earned income due to disability is often devastating.  Disability income insurance is one of the critical coverages for anyone who relies on earned income.

There are four different types of Disability income insurance:

• Income Protection - both short term and long term - replaces a portion of income lost due to sickness or injury.
• Retirement Protection - replaces retirement plan contributions - (401k, Pension, Profit Sharing) lost due to sickness or injury.
• Business Overhead Expense - pays the expenses to keep a business operating during the disability of the business owner.
• Business Buy Out - provides the funding for a business shareholder to buy the shares of a disabled shareholder.