Protection
Disability & Critical Illness
Protection that replaces income and pays lump-sum benefits if illness or injury keeps you from working.
Who this is for
The household earner
Your paycheck keeps things running, and you want a plan if it stops.
Self-employed
You don’t have employer disability coverage and need to build your own safety net.
Planning around health history
Family history of heart disease, stroke, or cancer has you thinking ahead.
Two kinds of protection
Disability coverage replaces a portion of your income if you can’t work due to injury or illness. Critical illness coverage pays a lump sum on diagnosis of a covered event — like heart attack, stroke, or cancer — that you can use however you need, from medical bills to keeping up with the mortgage. These pair naturally with life insurance to cover the gap between ‘still here’ and ‘able to work.’
Common questions
Some employers offer limited disability coverage, but it often replaces less than you’d expect and ends if you change jobs. A policy you own goes with you.
Have questions about this coverage?
A free, no-pressure conversation about your family, your budget, and your options.
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