Your ability to earn an income is your single greatest asset. What happens if you get sick or injured and can't work for 6 months? Disability insurance keeps the bills paid.
During your working years, you are actually 3x more likely to become disabled than to die. Accidents, back injuries, and even illnesses like cancer can knock you out of the workforce for months or years.
We offer premium "Own Occupation" riders. This means if you are a surgeon and hurt your hand, you get paid even if you could technically still work as a teacher. It protects your specific career skills.
Ask about "Business Overhead Expense" insurance to pay rent/payroll if you are disabled.
Secure your income stream.
Typically, it replaces 60% of your gross income. The benefits are usually tax-free (if you pay the premiums yourself with after-tax dollars), so the take-home amount is very close to your actual paycheck.
This is the waiting period before benefits start. A common choice is 90 days. Choosing a longer elimination period lowers your premium significantly.