Disability Insurance is fairly straightforward. If you lose your ability to earn an income, you can be protected from income loss with this kind of insurance.

Here’s how it works. You choose the amount – an amount that reflects your current salary, or perhaps a fraction of that salary. (Those who believe their expenses may be less if they are disabled and unable to work). You choose the time period. Both of those choices will be reflected in the premiums you pay.

Yes, some may have a health insurance plan that helps with medical bills. But those plans won’t replace your lose income. Other plans might include a company disability insurance policy. Those, however, are of limited import. We can help fill in the missing pieces of your company’s plan.

The best part of all this? You can choose a Rider that allows you to get all your premiums back if you don’t develop a disability by your end date!