Generally, your income earning ability is your most valuable asset during your working years.  The risks and financial difficulties that a disability can create can be devastating.  However it is one of the most underinsured areas in many personal financial plans.  An extended disability occurring during your working years is far more probable than premature death. Yet many overlook this fundamental coverage. Disability Insurance provides a monthly income if you are unable to work because of accident or illness.

Many people assume that they are covered under an employer’s benefit package.  Employer benefits have reduced over time and some offer virtually no coverage.  Employer provided coverage is often not adequate to cover your personal on-going financial needs.  Our specialists will review your existing coverage and make any necessary recommendations to augment your current coverage.