Disability Insurance

Disability Insurance

If you need a paycheck, you need disability insurance

There are many components to financial security, but an individual’s ability to work and earn an income is what makes everything else possible. People insure their homes, cars and personal property, yet they often fail to consider insuring the one thing that makes all those things possible – their income.

Savings vs debt in a disability

How solid is your foundation?

When someone is too sick or hurt to work, the bills don't stop. Plus, there may be additional expenses for medical treatment or assistance. Many believe the government will support them, but average amount of time it takes to collect Social Security disability benefits, if you qualify, is more than a year. Employer policies are usually taxable, leaving less income to go around.  Are you confident your family would survive?

A disability plan can help:


  • Provide personal income protection for everyday living expenses
  • Allow you to continue saving for retirement


  • Reimburse owners for fixed business expenses 
  • Keep business value intact by funding the buyout of a disabled owner
  • Help businesses offset the loss of a key employee

Take Action!

Unfortunately, most people don't realize how important protection is until it's too late – after they become too sick or hurt to work.  Get in touch with your financial advisor today and ask how to protect your loved ones.

Don't have an advisor? Give us a call at (800) 589-3000.  We'd love to listen to your needs and set you up with someone who can help guide you.

Did You Know - 1 in 3 will become disabled


More than 36 million Americans are classified as disabled; about 12% of the total population. More than 50% of those disabled Americans  are in their working years, from 18-64.

(U.S. Census Bureau)

Resources for Advisors

Short Sales Ideas

Get an overview of the various uses for a DI policy in these one-minute shorts featuring Tim Kukieza, VP of Disability Income.


DI Marketing 101

Disability insurance may not be your primary focus, but it's an important part of protecting your client's financial security. 

DI Marketing 101

Discussion Toolbox

Get a comprehensive guide to understanding the need for disability insurance, the right questions to ask, and how your clients can benefit.

Disability Discussion Toolbox