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Your income is your most valuable asset. Let’s protect it.
If you couldn’t work tomorrow, how long could your family manage? Disability insurance replaces a portion of your income if illness or injury keeps you from doing your job – so life keeps going, even when you can’t.
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1 in 4

workers will experience a disability before retirement

34 mo.

average length of a long-term disability claim
 

60–70%

of your income can be replaced with the right policy
 
  • Independent & unbiased advice
  • No obligation to purchase
  • Licensed in all 50 states
  • Free quote in minutes
  • Independent & unbiased advice
  • No obligation to purchase
  • Licensed in all 50 states
  • Free quote in minutes
Why it matters

More people lose income from illness than accidents

Protect your home

Missed paychecks can quickly lead to missed mortgage or rent payments. Disability coverage keeps your household stable.

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Support your family

Your family depends on your income. A disability policy makes sure they're still taken care of if you can't work.

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Cover everyday bills

Groceries, utilities, car payments — they don't stop because you're hurt. Disability insurance keeps cash flowing.

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Fill the gaps in group coverage

Employer plans often cover only 60% of base salary and may not include bonuses or commissions. Individual coverage fills that gap.

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How it works

Simple to get started

  • Answer a few quick questions

    Tell us about your occupation, income, and what kind of coverage you're looking for. It takes about 2 minutes.

  • We shop the market for you

    We compare policies from top-rated carriers to find the best fit for your needs and budget — no pressure, no sales tactics.

  • Choose the right plan

    Review your options with one of our licensed advisors. We'll walk you through everything in plain English so you can decide with confidence.

  • Get covered and stay protected

    Once approved, your income is protected. If you ever need to file a claim, we're here to guide you through the process.

Ready to protect your income?

Get a free, no-obligation quote in minutes. Our licensed advisors are here to help you find the right coverage at the right price.

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No spam. No pressure. Just honest advice.

Common questions

Answers you actually need

Disability insurance replaces a portion of your income — typically 60–70% — if you’re unable to work due to a covered illness or injury. It covers things like cancer, heart conditions, mental health disorders, back injuries, and more. It’s not just for accidents.
You might – but group employer plans often have significant gaps. They typically replace only 60% of your base salary, cap at a maximum dollar amount, and coverage ends if you change jobs. An individual policy is portable and can be customized to your actual income.
Most individual disability policies cost between 1–3% of your annual income. For many people, that’s a very affordable monthly premium for significant income protection. The exact rate depends on your age, health, occupation, and the policy features you choose.
Short-term disability kicks in quickly (often within days) and covers you for a few weeks to months. Long-term disability has a longer waiting period (typically 90 days) but provides benefits for years – or even until retirement. Many people benefit from having both.
It depends on the condition and the carrier. Some pre-existing conditions can be excluded from coverage, while others may still qualify with certain carriers. The best way to find out is to get a quote — we can shop multiple companies to find what’s available for your situation.