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Disability Insurance

Protect income. Safeguard plans. Keep business running.

Disability Insurance (DI) protects a client’s most important asset—their ability to earn. We help advisors design coverage that fits roles, income sources, and budgets, from individual income protection to business continuity solutions and specialty occupations.

Coverage Lines

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Individual Disability Insurance

Income protection that replaces a portion of earnings if sickness or injury prevents work. We help tailor benefit amounts and waiting periods, add own-occupation definitions where appropriate, and consider riders for partial disability, catastrophic benefits, and future increase options.

advisor meeting with woman

Business Disability Insurance

Coverage that keeps companies stable when disability disrupts ownership or key roles. Solutions include Buy-Sell/Buyout funding to execute agreements, Key Person to offset lost revenue and recruiting costs, and Business Overhead Expense to cover fixed costs and Loan/Contract Protection to keep obligations on track.

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High Risk / Specialty

Custom coverage for physicians, dentists, attorneys, executives, athletes, and other niche or higher-risk occupations. We help navigate specialty definitions, layered benefits, and carrier appetites to keep protection in force when it matters.

How to Talk to Clients About Disability Insurance (advisor tips)

Even though disability insurance may not be as familiar as other products, like life insurance or employee benefits, DI is just as important, or even more important. Remember to ask clients about their income and business protection and then recommend DI solutions to help meet their needs.

  1. Help clients see the big picture: You don’t expect anything bad to happen, but if it does, disability insurance covers your expenses when you can’t work.
  2. Make it personal: Do you know anyone who’s suffered from back problems, heart disease or cancer? Did they have a back-up plan for their unexpected illness or injury?
  3. Show what disability insurance is worth: Do you know your earning potential over the course of your lifetime?