Broker Check

Protect Your Way of Life

Disability Insurance helps ensure your financial stability in the event of illness or injury-related work stoppage. 


What is Disability Insurance?

Disability insurance, commonly referred to as income protection, covers a portion of your income should you become too sick or hurt to work. Being unable to work due to injury or illness may be unthinkable to you, but it's important to have a safeguard. Why? Because disability happens more often than you may imagine. 



Types of Disability Insurance

Income protection is at the core of every disability insurance policy; however, there are key distinguishing factors between coverage types you should understand. 

 

Individual

Individual

This type seeks to close the income protection gap for people without employer coverage. It is also portable, meaning it's yours if you change jobs. 

Request a Quote
Short-term

Short-term

Short-term offers an immediate partial income payout when illness or injury keeps one from working. Employers and their employees may benefit. 

Contact Us
Long-term

Long-term

This type offers added payouts for long-term injuries. It takes effect after your short-term coverage is no longer active. Employers and employees may benefit.


Contact Us
Supplemental

Supplemental

Long-term or individual policy holders can add this coverage to protect a larger portion of their income, commissions, or bonus payouts. 


Contact Us

Why International Planning Alliance

Our Financial Strength, our unwavering dedication to our clients, our Protection-First philosophy which enables us to be Prepared for the Unexpected, and our experienced team of trusted insurance agents and financial professionals empowers us to prioritize your insurance planning needs.


Additional Disability Insurance Insights

Learn more about income protection by perusing some of our educational content. 

Group and Private Disability Policies

Group and Private Disability Policies

Employer plans typically pay up to 50% of your income. This might not be enough to meet your bills.

Learn more
Disability Couldn't Happen to Me...

Disability Couldn't Happen to Me...

In this blog, learn why income protection may not be something you think you should have until the unthinkable happens. 

Learn more
Can Your Business Survive Without You?

Can Your Business Survive Without You?

A business that can function without you, should it need to, is a stronger business.

Learn more

Have a Disability Insurance Question? Ask! An IPA insurance agent will be in touch.

Thank you!
Oops!