The purpose of disability income insurance is to provide the income to maintain your lifestyle until you are cleared to return to work. It transfers the financial risk of a severe disability from you to the insurance company. A severe injury or illness that keeps you from working for an extended period can be financially devastating when you consider that:

• Your current income will cease to exist.

• Your future income will be at risk due to your disability.

• Yet your business or personal expenses may continue.

Disability income insurance policies help protect you, your family and your business by protecting your income from disabling injury or illness.

• Short-term disability: This disability policy protects for a brief period of up to 120 days when employment insurance might not be available. This is only available as part of group insurance, not as an individual product.

• Long-term disability: Available as a standalone solution and comes in a few variances and several design criteria. These are:

  1. Elimination period

  2. Benefit period

  3. Injury only, or injury and sickness

  4. On the job vs. 24 hour

Our advisors play a crucial role in your insurance planning process. We help you assess your insurance needs through a financial needs analysis. Next, we help assess your health, lifestyle and medical history to ensure product suitability. We then arrange to purchase a policy electronically by guiding you through the entire process via the phone. No advisors will visit. We continue to assist you throughout the application process to ensure your application is placed with an insurer that best fits your needs, medical history and budget.

Once a policy is inforce, we continue to provide ongoing services, such as address and phone changes, banking, beneficiary updates, and regular reviews as you go through life stages. Many of our advisors have had the pleasure of helping thousands of families over the years where they were once newlyweds to becoming young grandparents approaching retirement. We are here to help you at claim time and support your needs throughout the good and the not-so-good times. We will be around when you need us.