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Disability Income Insurance

What would happen if an accident or illness prevented you from working? For most of us, our lifestyle is dependent upon the family breadwinners’ income. Disability income insurance provides replacement income if you’re unable to work due to an illness or injury.

Coverage for individuals
We have individual policies available for people in all types of occupations. Whether you’re a doctor, cabinetmaker, executive, teacher or technician, we can design a disability income policy to meet your needs and budget.

Coverage for small-business owners
We offer two types of disability income policies to protect small-business owners and their companies.

* Business Overhead Expense (BOE) reimburses businessowners for the expenses necessary to keep their company running upon the disability of any of the owners.
* Business Buy-Sell provides the funds to effect an orderly transfer of ownership in the event of a business co-owner’s disability.