Do I Need Individual Disability Insurance?

Do I Need Individual Disability Insurance?

July 13, 2021
The financial consequences of a lengthy disability could literally cost millions. A 40-year-old worker who makes $75,000 a year and suffers a permanent disability could lose over $2 million in future earnings. People don't hesitate to insure their homes, cars or other valuable possessions, so why not insure something that is much more valuable than all those things?
Be prepared for the unexpected and ensure your family's lifestyle is protected with an individual disability policy.
  • Group disability income is TAXABLE to you, the participant, if paid for by your employer
  • Individual policy benefits are paid out TAX-FREE
  • Maintain college savings contributions for children
  • Cover your mortgage obligation if you are unable to work
  • Replace future expected income from working years
  • Securely insured even if you leave your job
  • 26% of adults in the U.S. have some sort of disability (source:
Here is what to do if you don't have individual disability insurance or are concerned your policies are underfunded or outdated...
Send Us Your Existing Policies for Review
We will review your disability insurance contracts and leave no stone unturned in researching your coverage options. Our policy review program is a complimentary service as we only receive compensation if we find a better option for you.
Click the image below to share files with us:
Name Brand Insurance Carriers to Choose From
Through our partnership with LPL Insurance Associates, we have access to many name brand carriers for disability insurance. 
For our celebrity, athlete, and CEO clients, we have access to Lloyds of London for unique disability policy needs. 

  • Mutual of Omaha
  • Ameritas
  • Mass Mutual
  • Principal
  • Lloyds of London


  • Blue collar
  • White collar
  • Business Overhead Expense
  • Buy / Sell Plans
  • Key Person Policies
  • Supplemental Disability Income
  • Retirement Security

Try our disability income calculator to get a high level understanding of your income needs in the event of a disability:

For independent research related to disabilities, please visit the Council for Disability Awareness website here: