Safeguard Your Income. Strengthen Your Tomorrow.

Self-employed professionals and gig workers lack the traditional employer-sponsored benefits such as sick leave or long-term disability coverage. This makes them more vulnerable if an illness or accident disrupts their ability to work, potentially halting their income entirely.

Income Protection
Disability income insurance helps replace lost wages, offering essential protection when you're unable to work due to illness or injury.

Peace of Mind
With the right coverage, you can focus on recovery without the added worry of how to make ends meet.

Real-World Impact
For those who depend on their work to earn a living, this insurance provides a safety net that can make all the difference during difficult times.

For small business owners, if the business relies on the owner's daily involvement, a disability can jeopardize operations and even lead to a shutdown. While Business Overhead Expense (BOE) policies help protect the business itself, personal Disability Income Insurance (DII) ensures the owner’s personal income remains intact during recovery.

Income Protection
Personal DII replaces lost income, allowing business owners to focus on their health without worrying about their financial stability.

Peace of Mind
Knowing that both the business and personal finances are protected offers peace of mind, allowing owners to plan for unexpected health challenges.

Real-World Impact
A disability can create serious financial stress, but with the right coverage, business owners can keep their finances afloat and maintain their livelihood during recovery.

Many employers don’t provide disability insurance, and even if they do, it often covers only a small portion of your income or is limited to short-term benefits. In these cases, supplemental individual disability coverage is essential to fill the gap and ensure full financial protection.

Income Protection
Supplemental disability insurance helps replace a larger portion of your income, ensuring you're financially stable if you're unable to work.

Peace of Mind
With the right coverage, you can rest easy knowing that you're protected in the event of illness or injury, even if your employer's plan isn't enough.

Real-World Impact
When your paycheck stops, bills don’t. Supplemental disability insurance ensures you can meet financial obligations while focusing on recovery.

Households that depend on a single income need disability insurance to avoid financial hardship if the primary earner becomes ill or injured. Without coverage, a sudden loss of income could disrupt daily life and long-term financial goals.

Income Protection
Disability insurance provides a safety net, replacing a portion of the primary income to maintain financial stability during recovery.

Peace of Mind
Knowing you have coverage in place ensures that your family can continue to meet their needs, even if your ability to work is temporarily or permanently affected.

Real-World Impact
Disability can strike unexpectedly, and without income protection, the financial burden can quickly become overwhelming. Insurance ensures that you can focus on recovery, not finances.

Parents who are the primary caregivers and income earners must ensure their family's financial stability, especially when young children depend on them. Disability Income Insurance (DII) helps keep essential expenses like tuition, groceries, and housing covered, even if illness or injury prevents you from working.

Income Protection
DII replaces lost income, ensuring that your family’s needs are met, no matter your health situation.

Peace of Mind
Having the right coverage means you won’t have to worry about how to support your children or meet household expenses during recovery.

Real-World Impact
When you're the primary provider, a disability can create significant stress. Disability insurance helps keep your family’s lifestyle intact while you focus on getting better.

For new graduates and young professionals, securing disability income insurance early can be a smart move. The younger you are, the lower your premiums, and locking in a policy now can help avoid future underwriting challenges. It also ensures that your income is protected as your career progresses.

Income Protection
Disability insurance provides financial security, replacing lost income if you’re unable to work due to illness or injury, even early in your career.

Peace of Mind
Starting your career with the right coverage gives you peace of mind, knowing you’re protected from unexpected setbacks as you build your future.

Real-World Impact
Securing coverage early helps you avoid costly premiums down the road, giving you the financial stability to focus on growth and opportunities throughout your career.

If you're managing a chronic health condition but still working full-time, securing Disability Income Insurance (DII) now is crucial. Waiting too long could result in higher premiums or disqualification as your condition progresses.

Income Protection
DII ensures you're financially covered if your condition worsens and prevents you from working, providing income when you need it most.

Peace of Mind
Getting coverage while you're still healthy offers peace of mind, knowing you’re prepared if your condition affects your ability to work.

Real-World Impact
Securing DII before your health condition limits your work capacity gives you a vital safety net, preventing financial strain during uncertain times.

If you have significant debt like mortgages, student loans, or car payments, Disability Income Insurance (DII) is essential. It ensures you can keep up with these financial obligations, even if illness or injury prevents you from working.

Income Protection
DII replaces a portion of your lost income, helping you stay on top of your debt payments during times of illness or recovery.

Peace of Mind
Knowing your financial obligations are covered allows you to focus on recovery without the added stress of falling behind on payments.

Real-World Impact
Debt doesn't pause for illness. Disability insurance helps prevent financial setbacks and keeps your financial goals on track while you're out of work.

Though caregivers and homemakers may not receive a formal paycheck, their contributions—like child care, meal prep, and elder care—are invaluable. If illness or injury prevents them from fulfilling these responsibilities, it can create significant financial strain. Disability Income Insurance (DII) helps cover the cost of substitute care or compensate for lost services.

Income Protection
DII provides financial support by covering the costs of external help or services that replace the tasks you typically manage.

Peace of Mind
Knowing you have coverage means you can focus on recovery without worrying about the added burden of hiring help or managing your household’s needs.

Real-World Impact
Caregivers and homemakers play a crucial role in the family’s day-to-day operations. DII ensures that these essential services can continue even if you're temporarily unable to perform them.

For those without a significant emergency fund, prolonged medical leave due to illness or injury can quickly drain savings. Disability Income Insurance (DII) offers ongoing financial support when your savings fall short.

Income Protection
DII replaces a portion of your income, providing consistent financial support during recovery when you’re unable to work.

Peace of Mind
With the right coverage, you don’t have to worry about depleting your savings or going into debt while you recover.

Real-World Impact
Without a solid savings cushion, the financial strain from an extended illness can be overwhelming. Disability insurance ensures you stay financially secure, even if your recovery takes longer than expected.