Affordable insurance starts with an easy quote
Long Term Disability (LTD) Insurance is an income protection policy that replaces a portion of your monthly salary if you become unable to work due to a serious illness or injury. Unlike health insurance, which pays your doctor, LTD pays you, ensuring you can cover your mortgage, groceries, and utilities even if your paycheck stops.
Most people insure their homes and cars but neglect their most valuable asset: their ability to earn an income. The statistical risk is higher than many realize. According to the Social Security Administration (SSA), more than one in four 20-year-olds will become disabled before reaching retirement age. Relying solely on savings or government benefits (which are notoriously difficult to qualify for) leaves your financial future vulnerable to a single diagnosis or accident.
We structure policies to protect your specific occupation, ensuring that “disability” is defined in a way that actually protects your career.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Feature | Employer Group Plan | Individual “Own-Occupation” Plan |
|---|---|---|
| Portability | ✖ Lose if you quit | ✔ Portable (Yours forever) |
| Taxability of Benefits | ✖ Typically Taxable | ✔ Tax-Free (If paid w/ post-tax $) |
| Definition of Disability | ✖ “Any Job” (Strict) | ✔ “Own Job” (Protects your role) |
| Benefit Cap | ✖ Capped (e.g., $5k/mo) | ✔ Higher Limits Available |
“How much does disability insurance cost?” Premiums are based on your age, health, occupation risk class, and income level.
Disability contracts are filled with nuance. “Independent Means Multiple Choices.” We help you decipher the definitions to ensure you actually get paid when you need it.
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
Request Quote
Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
We love to learn more to help our customers make the insurance process easier.
Experience the Value of
an Independent Agency
