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Protect Your Income with Disability Insurance
Secure your financial future with disability insurance. Unexpected illness or injury can disrupt your income, but with the right protection, you can maintain financial stability and peace of mind, even when you can't work. Learn more and get a free quote today!
Protecting Your Income: Securing Your Future with Disability Insurance (DI)
Life's unexpected turns can leave you financially vulnerable. A sudden illness or injury could mean lost income, mounting medical bills, and a significant disruption to your life. Disability income insurance provides the financial safety net you need to navigate these challenges with confidence.
We understand the anxieties that come with the possibility of disability. That's why we offer comprehensive plans designed to protect your income and your peace of mind. Our partner carrier’s policies provide a regular stream of income if you become unable to work due to illness or injury, allowing you to focus on your recovery without the added stress of financial worries.
Can You Afford to Be Disabled?
Imagine, you're unable to work due to an unexpected illness or injury. Your income stops, but your bills don't. Medical expenses pile up, and financial stress adds to your physical and emotional burden.
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This scenario is a reality for many, but it doesn't have to be yours. Disability income insurance is your financial lifeline in times of need. It provides a steady income stream while you recover, allowing you to focus on getting better, not worrying about how you'll pay your bills.
What is Disability Income Insurance?
Disability Income Insurance (DI) is a crucial form of protection that safeguards your income in the event of an illness or injury that prevents you from working. It acts as a financial safety net, ensuring you have a regular stream of income while you focus on recovery.
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Who Should Have Disability Insurance?
Anyone who relies on his/her income for:
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Mortgage
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Rent
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Care
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Food
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Utilities
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Entertainment
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Education
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Monthly Expenses
White Collar Occupations
Blue Collar Occupations
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Architects
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Attorneys
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Chiropractors
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Commissioned Sales Reps
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CPAs
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Dentists
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Engineers
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Executives
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Pharmacists
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Physicians
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Physician Assistants
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Scientists
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Teachers
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Veterinarians
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and many more!
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Carpenters
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Electricians
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Firefighters
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Heavy Equipment Operators
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HVAC Techs
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Landscapers
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Mechanics
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Nurses
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Office Equipment Techs
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Plumbers
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Police Officers
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Roofing Contractors
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Tattoo Artists
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Truck Drivers
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Warehouse Workers
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and many more!
Specialized Policies for Physicians and Dentists
The Crump Disability Insurance Solution Center provides options for the specialized needs of your physician and dentist clients.
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Coverage options:
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Up to $20,000 issue, subject to income
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Can participate up to $30,000 with existing individual coverage; $35,000 with group
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True/specialty own occupation definition available
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$5,000 monthly benefit on resident/fellow physicians without medical or financial underwriting $2,500 monthly benefit for third- and fourth-year students without medical or financial underwriting Uncapped future purchase option — subject to current issue and participation limits
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Benefit periods beyond age 65
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Business overhead expense and buy-sell coverage in every state (key person and business loan
What Types of Disability Coverage are Available?
White Collar Occupations:
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Long-Term Individual Disability - income protection for an accident or illness lasting over two years.
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Short Term Individual Disability - income protection for an accident or illness lasting less than two years.
Multi-Life Options:
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Guaranteed Issue Multi-Life - simplified disability insurance for businesses insuring 10 or more lives.
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Fully Underwritten Multi-Life - discounted disability insurance available to groups/employees applying for policies together.
Business Protection:
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Business Overhead Expense - reimbursement benefit for documented overhead expenses.
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Buy-Sell Protection - protection to fund a buy-sell agreement between multiple owners in a company.
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Key Person Replacement - protection for a business should a key employee become disabled.
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Loan Protection - reimbursement for a loan payment.
Additional Niche Coverages:
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Accidental Death & Dismemberment - lump sum payment in the event of accidental death or dismemberment.
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Critical Illness - lump sum payment in the event of a diagnosis of a pre-specified illness.
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Priority Income Protection - income protection is limited only to accidents or illnesses that occur “off-the-job.”
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Retirement Contribution Protection - replacement of retirement account contributions in the event of a disability.
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High Limit Supplement - supplemental income protection for high earners who max out of their disability plan.
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Athlete Protection - protection for athletic contracts, sponsorships, and/or future earnings.
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Kidnap & Ransom - reimbursement for costs incurred during a kidnapping or extortion.
Why is Disability Insurance a Good Choice?
According to a survey conducted by Life Happens, seven in 10 employed Americans said they would feel the financial pinch in a month or less without their income - and one in four indicated they would feel the pinch immediately.
Don't Let Disability Ruin Your Life. Protect Your Income Today.
Get a free quote for disability income insurance and secure your financial future.