Product Spotlight - Income Protection

Disability Income Insurance protects individuals by providing a regular income if they become disabled and are unable to work due to illness or injury. This coverage is crucial for freelancers, self-employed contractors, and anyone without access to state disability insurance or traditional employer-sponsored coverage.

Many self-employed individuals don't contribute to state disability insurance (TDI), leaving them financially vulnerable if they cannot work. Our Disability Income Insurance provides a safety net by replacing lost income, helping cover essential expenses such as rent, utilities, groceries, and loan payments.

Why do individuals choose our disability plans? Because we provide more options for less money!

• Monthly Disability Amounts Available: Up to $20,000/month!
• Multiple Benefit Period Options: 13/26 weeks or 1/2/5/10 years OR up to Age 67!
• Multiple Elimination (waiting) Periods: Some options kick in as soon as same-day (0-day wait)!
• Most programs do NOT require medical exams OR income verification (at sign-up)!
• See the 4 different types of disability plans below (images)!
• - Short-Term Disability ("Income Protection" plan)
• - Long-Term Disability ("Century+ Individual" plan)
• - Disability options for individuals with serious medical conditions ("Graded Benefit" plan)
• - Business Overhead Expense coverage ("Business Overhead Expense" plan)

Benefits Available

• Total Disability Benefits: Weekly benefits are paid when the policyholder is totally disabled.
• Partial Disability Benefits: Pays 50% of the total disability benefit if the insured is partially disabled and working part-time.
• Presumptive Disability Benefits: Full benefits are paid for loss of sight, speech, hearing, or use of limbs.
• Childbirth Benefit: A lump sum is paid for childbirth-related disabilities.
• Organ Donor Benefit: Provides coverage if the insured becomes disabled from organ donation.
• Waiver of Premium: Premiums are waived after a set period of total disability.
• Return of Premium Rider: Refunds a percentage of premiums if no claims are made by the time the policy expires or is canceled.
• Catastrophic Disability Rider: Additional benefits for severe disabilities beyond normal coverage.

Rates start out as low as $5.92/month (for $1,000/week benefit)! (((SEE BELOW)))