Long Term Disability Insurance

Long Term Disability Coverage That Keeps You Protected

When an illness or injury takes you out of work for months—or even years—it can threaten your financial stability and your peace of mind. Long term disability insurance helps replace a portion of your income so you can focus on recovery instead of worrying about bills.

You can’t predict the future, but you can prepare for it. Whether you’re protecting your family or your own financial independence, our agents will help you find the right coverage to safeguard your income in the event of a long-term disability.

Plan Ahead for the Unexpected

If you’re unable to work for an extended period due to an illness or accident, long term disability insurance helps ensure you don’t lose everything you’ve worked for. Without coverage, expenses like mortgage payments, utility bills, and groceries can pile up quickly—especially if savings run out.

We understand how important your financial security is. That’s why we work with reputable insurers to provide flexible, affordable long term disability policies tailored to your needs. Let us help you prepare today, so you can face tomorrow with confidence.

How long do benefits last?

You can choose coverage options ranging from a few years to payments lasting until retirement age. Longer benefit periods provide greater protection but may result in a higher premium.

• Coverage lengths: 2 years, 5 years, 10 years, or to retirement
  
• Monthly benefits help sustain your lifestyle during recovery

How much of my income will be replaced?

Long term disability policies typically replace between 40% and 65% of your pre-disability income. While it doesn’t fully replace your salary, it ensures you have a steady source of income while you’re unable to work.

• 40% to 65% of income replacement

   

• Encourages returning to work when you’re able
• Commissions and bonuses are not usually included

Factors that affect your premium:

• Your age
• Health history
• Occupation type
• Current Income