Disability Insurance

Our advisors know disability due to a sickness or injury is a more likely occurrence than death. Because of this, protecting their client’s most valuable asset – the ability to earn an income, is critical. Disability or “income protection” insurance can provide a fundamental layer of security for a client’s financial future.This type of insurance can help pay your monthly bills, including a mortgage, as well as daily living expenses such as food, clothing and utilities.

Our advisors make clients aware nearly 18.5% of Americans are currently living with a disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement.6

Clients can choose from a variety of disability insurance options, and our advisors assist them in selecting the best option for their unique needs. Some of the options include:

  • Individual disability insurance, which is utilized by those clients whose employers do not provide benefits and also for self-employed individuals wanting coverage
  • High-limit disability insurance that was designed to pay individual disability benefits at 65% of income regardless of income level. This type of coverage is usually used in connection with a standard coverage and is available to both individuals and groups.
  • Business overhead expense (BOE) disability insurance reimburses a business for overhead expenses should the owner experience a disability. Regular monthly expenses eligible for reimbursement include but are not limited to rent or mortgage payments, utilities, employee salaries and benefits, insurance premiums and property taxes.


* Disability Insurance offered through RJFS and Woodforest Financial Services, Inc.

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