Disability Insurance

Disability Insurance answers a simple but crucial question: what happens to your household if your paycheck suddenly stops? We help you put a safety net in place so that if an illness or injury keeps you from working, your essential bills can still be paid.

Our disability coverage is designed around your real life - rent or mortgage, utilities, groceries, car payments, and everything else that depends on your income. We look at how long you could manage on savings, what benefits (if any) your employer offers, and then fill the gaps with a personal plan that belongs to you, not your job.

Together, we decide how much monthly income you would need to stay afloat, how soon benefits should start, and for how long they should last. We then shop multiple top-rated carriers to find options that fit your budget while still giving meaningful protection.

If you are self-employed, work on commission, or rely on overtime, disability insurance can be especially important. We take the time to explain how policies define "disability," what counts as being unable to work, and how claims are handled, in plain language. The result is a written plan you understand and feel good about.

You may never need to use this coverage - and we hope you do not. But knowing that a serious health setback would not automatically become a financial crisis can bring a deep sense of security for you and your family.