Disability Insurance

For a business owner, disability insurance isn't just “nice to have” it's a lifeline. Your business depends on you, and if you become ill or injured and can’t work, your income could grind to a halt, while your overhead  payroll, rent, debts keeps coming. Without a personal policy, you’re putting your business, your team, and your family at serious risk. And for employees, relying solely on the disability coverage your employer provides can leave a dangerous gap. Only about 36 percent of private industry workers have access to long-term disability insurance through their jobs. Even when coverage is available, many workers opt out and 67% say they think the benefit is too expensive or that they don’t need it, But the reality is that disability is a very real risk. Data shows that up to 1-in-4 of today’s 20 year olds will become disabled before they retire.  By owning supplemental disability insurance, you’re building your own safety net ensuring that whether you're steering your company or working for someone else, a serious illness or injury won’t derail your financial life.