Protect Your Income When Life Throws the Unexpected
Your ability to earn an income is one of your most valuable assets. What would happen if an illness or injury prevented you from working for weeks, months, or longer? Individual disability insurance provides financial protection, replacing a portion of your income so you can focus on recovery without worrying about bills or lost income.
At INSight Partners, we help individuals secure coverage that fits their lifestyle and financial needs.
Why Individual Disability Insurance Matters
Disability can strike anyone at any time, regardless of age or profession. Without proper protection, an extended absence from work could impact your savings, mortgage, and overall financial stability. Disability insurance ensures that you and your family can maintain your standard of living even when unforeseen circumstances arise.
Choosing the Right Policy
The right disability policy depends on your occupation, income, and risk tolerance.
Our risk advisors work with multiple carriers to find coverage that balances benefit amount, waiting periods, and premiums, ensuring you’re protected when it matters most.
Common Individual Disability Insurance Coverages
- Short-Term Disability – Replaces income for a limited period, usually up to 6 months, following an illness or injury.
- Long-Term Disability – Provides ongoing income replacement if you are unable to work for an extended period.
- Partial Disability Coverage – Offers financial support if you can work part-time or perform some job functions.
- Optional Riders – Some policies allow additions like cost-of-living adjustments or future purchase options.
