Disability Income Protection

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Income Protection Insurance pays a benefit if the insured is unable to work as a result of injury or illness. The amount of coverage is directly related to the income of the insured. In most cases, you can protect up to about 70% of your income.

Considering that regular income is usually one’s livelihood, this is often referred to as the most important insurance available.

The benefit is paid when the insured can not work for the waiting period, which can be as short as seven days for Short-Term Disability Insurance. These plans are usually limited to six months of benefit payments.

Long-Term Disability has a waiting period of thirty days to one year and can provide payments until the insured reaches age 65, assuming the insured remains unable to work. The sooner you wish to receive your first benefit check and the longer you wish to receive benefits, the higher the premium will be.

When you are ready to buy an insurance policy, you can call us directly or use our Online Quote Form to get competitive life insurance quotes from the nation’s leading insurance providers.