Your income isn’t just numbers in your bank account—it’s the engine behind your lifestyle, your family’s security, and your future plans. If an illness or injury kept you from working, how would you maintain everything you’ve worked for?
Consider this:
Disability income insurance helps replace a portion of your income if you’re unable to work due to a medical condition. It ensures you can continue covering everyday expenses—so your financial goals stay on track, even when life takes an unexpected turn.
1 in 4 working adults will experience a disability before retirement.
Nearly 90% of long-term disabilities are caused by illness—not accidents.
Most group coverage replaces only 40~60% of your income, and government disability programs average just over $1,200/month.
The average disability claim lasts 2.8 years.
Often a helpful baseline, but it comes with limitations:
Personalized protection designed to fit your income, lifestyle, and long-term goals:
Disabilities can strike at any age. Many real claims involve professionals in their 30s and 40s.
Most group plans cover only a portion of your income and are subject to employer changes.
Statistically, you might. And when it happens, it pays to be ready.
Choose your plan based on your income, job, and risk tolerance.
Pay your premiums—just like other insurance coverage.
If a qualifying disability occurs, submit a claim.
Receive monthly benefit payments to help cover living costs
Disability insurance helps ensure your income—and your future—is protected. It’s about being prepared, responsible, and resilient.
Want to learn more? Our team is here to guide you through your options and help you design a plan that fits your life.
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