Disability Income Insurance

Disability income cases can become complex quickly, especially when working with high-income professionals, executives, and business owners.

We work alongside financial advisors to identify coverage gaps and design disability income solutions based on the client's income, occupation, existing coverage, business needs, and overall objectives.

From individual DI to executive carve-outs, business protection, loan indemnification, and high-limit cases, my team and I help with case design, carrier selection, underwriting, and implementation.

Disability Income Solutions

We provide access to a broad range of disability income solutions, including:

• Individual Disability Income Insurance
• Executive Carve-Out Disability Income
• Business Overhead Expense (BOE)
• Disability Buy-Out (DBO)
• Key Person Disability Insurance
• Loan Indemnification Disability Insurance
• High-Limit Disability Insurance

Our goal isn't simply to provide a quote. It's to help you identify the coverage need, structure the case, navigate underwriting, and find solutions for even the more complex situations.

How We Help

Bring us the case, and we'll help you take it from concept to implementation.

1. Identify the Need

We review the client's income, occupation, existing individual or group disability coverage, and financial situation to identify potential protection gaps.

2. Design the Solution

We help determine available coverage, evaluate carrier options, and structure the case based on the client's needs and occupation.

3. Navigate Underwriting

We work closely with underwriting and case management to address medical, occupational, and financial underwriting considerations and help position the case.

4. Implement the Coverage

Once an offer is available, we help the advisor understand the outcome, evaluate any modifications or exclusions, and move the case through placement.

You maintain the client relationship. We provide the disability income knowledge and support to help you get the case done.

Have a Disability Income Case?

Whether you need help determining available coverage, designing a case, or navigating a challenging underwriting situation, let's take a look at it together.