Individual disability insurance.
This is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.
Every disability insurance policy from every insurance company is very different; this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.
My office will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy.
Click the “Contact Me” tab at the top of this page to get the exact information you need about Disability Insurance.