Protect Your Income
Secure Your Future

Disability insurance is the foundation of a sound financial plan, protecting your most valuable asset: your ability to earn an income.

Navigation & Expertise

A sudden illness or injury can stop your paycheck, but your bills keep coming.

As an independent agent, I specialize in navigating the complexities of disability insurance to find the exact coverage you need, whether you're an individual, a busy professional, or a small business owner.

Individual Disability

The Bedrock of Protection

An individual policy is owned by you, not your employer. It provides portable, guaranteed coverage that stays with you no matter where your career takes you.

  • True Own Occupation

    We prioritize policies that pay if you cannot perform the duties of your specific job, even if you work in another field.

Coverage Types

Short-Term Disability (STD)

  • Benefit: A few weeks up to 1 year.

  • Wait Period: 7-30 days.

  • Best For: Recovery from broken bones, surgery, maternity leave.

Long-Term Disability (LTD)

  • Benefit: 2, 5, 10 years or until Retirement (Age 65/67).

  • Wait Period: 60, 90, or 180 days.

  • Best For: Career-ending or long-lasting illnesses. The most crucial protection.

Business-Related Disability

For business owners, partners, and high-value employees, a personal disability can threaten the entire company. We offer specialized policies to keep your business running smoothly.

Overhead Expense (BOE)

Keeps the lights on when the owner is down.

Who Pays Premium?The Business

Benefit CoversRent, utilities, employee salaries, and operating costs.

Disability Buy-Sell

Protects the partnership and the equity.

Who Pays Premium?The Business / Partners

Benefit CoversProvides lump sum to purchase the disabled partner's share.

Key Person Disability

Protect revenue against the loss of top talent.

Who Pays Premium?The Business

Benefit CoversReplaces lost revenue and hiring costs for temporary replacements.

Group Disability

Employer Sponsored

  • Not Portable: Ends if you leave the job.

  • Taxable: Benefits taxed if employer pays.

  • Limited Cap: 50-60% of base salary only.

  • Restrictive: Often "Any Occupation" definition.

Group vs. Individual Policies

Many rely on employer plans, but they often have significant gaps. Here is why an individual policy is often necessary.

Individual Policy

Personally Purchased

  • Fully Portable: Stays with you always.

  • Tax-Free: If paid with after-tax dollars.

  • Higher Coverage: Covers bonuses & commissions.

  • True Own Occupation: Specific job protection.

"A robust financial strategy often involves an Individual Disability policy to supplement and fill the gaps left by a standard Group plan."