If one day you could not work, what would need to keep working?
Income Protection
Your ability to earn an income supports real responsibilities.
Disability income insurance can provide a benefit when an illness or injury meets the definition of disability set out in the policy.
- Benefit as defined by the policy
- For employees and business owners
- Licensed insurance agent
How we review it
Five questions before choosing.
Disability insurance is understood through its definitions. We go through them with you, one by one.
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In context: about 1 in 4 of today's 20-year-olds will become disabled before retirement (Social Security Administration).
Understand
What your income supports.
Your home, your family, your debts, your business: we review which obligations depend on you continuing to work.
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The policy's definition is what decides. That is why we start with it.
Define
What counts as a disability.
Each policy defines what a disability is and when the benefit is paid. That definition is the first thing we review, because not every cause is covered in every product.
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Definition of disability
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Exclusions
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Policy conditions
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Elimination period and benefit period: two time frames worth understanding.
Compare
Benefit, waiting period and duration.
We compare the available options on the terms that really change the outcome:
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Benefit amount
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Elimination period
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Benefit period
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Available riders
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No promises: what a policy pays is defined by its contract.
Decide
With clear information.
You decide whether the protection makes sense for your situation, knowing what it pays, when it starts paying and for how long. Issue depends on eligibility and underwriting.
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An informed decision
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Application and underwriting
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Support throughout the process
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What you build with your work should be able to carry on.
Review
When your income changes.
A raise, a new job or starting your own business change what is worth protecting. We review your coverage when your situation changes.
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Regular reviews
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Income changes
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Follow-up
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Income Protection
What would happen to your responsibilities if you could not work?
Let's review what depends on your income and which protection options are available for your occupation.
Your ability to earn an income can be protected too.
The information on this page is general and educational. The definition of disability, the benefit amount and duration, elimination periods, exclusions and riders depend on each policy and insurer. Coverage is subject to eligibility, occupation and underwriting. The tax treatment of benefits depends on who paid the premiums and how; consult your tax professional.
Context figure: Social Security Administration, accessed 2026.