Protect your income with Disability Insurance

An individual’s income allows them to maintain a certain lifestyle for themselves and their family. Individual disability income insurance products can help replace one’s income should a sickness or injury prevent them from working.

It is designed to reimburse a business owner for business expenses incurred during a disability. It is typically designed for owners of small- and medium-sized businesses, whose personal service is key to the continued earning of business income.

This policy is an efficient way to provide business clients with the funds necessary to handle the loss of a key employee due to a total disability. 

Reimburses the purchase of a totally disabled business owner’s interest under a buy-sell agreement. Similar to a buy-sell agreement when a business owner passes away, disability buy/sell ensures the stability of the company.

Whether a small business or a large corporation, disability income solutions can cover employees protection should a sickness or injury prevent them from working. These products can be fully underwritten or simplified (where no medical exams are required). Discounts are usually available for groups of three or more.