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Life & Disability · Disability

Protect Your Paycheck When You

Can't Work

If an illness or injury kept you from working, how long could you cover your bills? Individual disability insurance replaces part of your income paid directly to you so a health setback doesn’t become a financial one. And it’s yours to keep, no matter where you work.

Why it matters

Income Protection That Follows You

Disability is more common than most people expect, and employer group coverage often replaces only part of your income and only while you work there. An individual policy fills that gap with a monthly benefit you own, typically replacing 50–70% of your income while you recover.

Key features

Coverage You Can Tailor

Own-occupation Coverage

Pays if you can’t perform your specific occupation not just any job at all.

Elimination & Benefit Periods

Choose how soon benefits begin after a disability and how long they continue.

Residual Benefits

Partial benefits if you can still work reduced hours or limited duties.

Guaranteed Renewable

Coverage can’t be canceled while you pay premiums; many policies are non-cancelable with level rates.

Fully Portable

The policy stays with you through job changes and career moves.

Optional Riders

Add cost-of-living adjustments, future-increase options and more.

Why it matters

Income Protection That Follows You

Disability is more common than most people expect, and employer group coverage often replaces only part of your income — and only while you work there. An individual policy fills that gap with a monthly benefit you own, typically replacing 50–70% of your income while you recover.

50–70%

of income typically replaced

Paid Monthly

directly to you, tax-free if you pay premiums

Yours to keep

paid to your beneficiaries

Who it's for

A Smart Move if You're…

  • Self-employed or a business owner
  • A commission earner or high earner
  • A doctor, attorney or other professional
  • Covered by group LTD that's limited or capped

Get Started

Protect What Your Income Makes Possible

Tell us about your work and we’ll find coverage that fits.

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