Disability insurance protects your most valuable asset – your ability to earn an income!

Disability Insurance, also called Income Replacement Insurance, ensures that you are able to collect a regular monthly payment in the event that you are unable to work due to an injury or illness.

Your ability to earn an income is your most valuable asset – worth millions for many people! If you were to lose that ability, you might be forced to dig into your hard earned retirement savings or rely on family.

Disability Insurance is especially important for self employed professionals such as doctors, lawyers and accountants, small business owners such as plumbers or carpenters, and individuals who do not have disability coverage through their employer.

There are various types and variations of disability insurance, allowing your policy to be customized to your specific needs and budget. Protection can range from covering you if you are not able to do your own profession, if you are unable to perform a similar job in your field, or if you are even unable to perform any job.

How long you are able to collect benefits and how soon you may collect them after a disability occurs can also be worked out in your contract by your insurance broker. Disability can happen at any age – in fact your chances of becoming disabled before age 65 are higher than your chances of death.

Contact me today for your free no-obligation quote.