Disability Insurance

Protect your income during hard times.

Your ability to work and earn an income is what enables you to pay for almost everything important to you… your home, your retirement, your lifestyle.  Because you rely on your income to live, have you ever considered what would happen if you suddenly couldn’t work and your income stopped?

We ask that question because a disability could keep you from working and if you’re like most people, you won’t be prepared. This is why disability insurance was invented and why most financial advisors recommend it, even more than life insurance in many cases.

Disability insurance ensures that if you are unable to work because of illness or injury, you’ll continue to receive an income. Unexpected illnesses like cancer, heart conditions, and stroke are common causes of disabilities. And they often come with expensive medical bills, which makes maintaining an income even more vital.

Cover your most valuable asset, your income

You already insure your car and home, but your income is the asset you rely on most! Take a look at how a lifetime of income compares to the typical value of a home or car:

Disablitity Insurance Chart

Disability Insurance protects your ability to work and earn an income.

Group Disability

While you may have some group coverage it’s not always enough income protection. And typically, when you leave your job, you must leave the group LTD policy behind, too. An individual Disability Income insurance policy is 100% yours. You own the policy, and it stays with you if you change jobs or careers. The individual DI policy will also help supplement any income gaps in your group coverage. 

Experts in Disability Income

We’ve been writing disability insurance for doctors, attorneys, dentists and other professionals for over three decades. If you’re in one of these occupations, you’re not only protecting your future income, you’re protecting the investment you made in your career.  When it comes to finding the best contract with the most favorable definitions of disability, you’ll want an experienced agent who understands your profession and how disability insurance works. 

We can help protect your income, and your family, with a disability insurance policy that’s right for you. If you’re a doctor or dentist, we have one-of-a-kind disability income protection language that will provide flexibility and options when you need it the most.

Put our insight and experience to work for you.


  1. Average cost of car in California
  2. Average cost of home in California
  3. Projected cumulative income of a 35-year-old earning $6,250/month ($75,000 annually), assuming a 5% annual increase to age 65.
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