Disability Insurance
What is your most valuable asset?  Your home?  Your Car?    Think again… 

A 30-Year old individual earning $50,000/year who becomes disabled and unable to work would stand to lose $1,750,000 in lost income by the age of 65.   If you consider that this person would likely experience increases in his/her pay as time went on, the income lost as a result of disability could be even more dramatic.  As you can see, for many of us, our ability to go to work and earn an income is by far our most valuable asset.

You probably would not sleep soundly at night if your home was not insured against being destroyed by a fire, or if you car was not insured against a total loss.  Consider the following: 

The chances of: 
Death Prior to Age 65- 1 out of every 106 people
Home Fire - 1 out of every 88 homes
Serious Auto Accident - 1 out of every 70 autos
Disability - 1 out of every 8 people (at least 8 days)

(Sources: National Safety Council, American Society of Actuaries, Commissioner’s Disability Table, National Center for Health Statistics)

Have you adequately insured your most valuable asset?

Let us assist you in the design of the perfect Disability Income policy.  We will take into account your occupation, income, and a multitude of other factors to find the plan that best meets your needs.  We offer coverage from the industry’s most competitive carriers no matter your occupation, income, or medical history. 

Are you a business owner?

If so, we also offer Disability Buy-Out and Business Overhead Expense coverage.