Disability Insurance
Protect your income if you're unable to work.
Don't let an unexpected disability compromise your prime earning years. With disability insurance, you can still receive income even if you're unable to work due to an injury or other unforeseen circumstance.
- Income replacement during your prime earning years
- Protection against injury and unforeseen health events
- Customizable coverage levels and waiting periods
- Peace of mind so you can focus on recovery, not finances
Working individuals and professionals who rely on their income and want protection against unexpected disability.
- 01Assess your income needs
Calculate the monthly income required to maintain your lifestyle.
- 02Evaluate coverage options
Compare group, individual and supplemental disability policies.
- 03Tailor the policy
Select benefit amounts, elimination periods and riders that fit.
- 04Review periodically
Adjust coverage as income, career and family responsibilities grow.
How much disability coverage do I need?+
Most people aim to replace 60–70% of their after-tax income. We calculate the right amount based on your current earnings, existing coverage and household expenses.
Let's build your retirement strategy together.
A candid, one-hour conversation with a senior financial professional. No obligation, no product pitch.