Income replacement
Monthly tax-free benefits to keep life running.
Disability Insurance
Protect the asset that funds everything else.
Your ability to earn is the engine behind every plan. Disability insurance replaces income if illness or injury keeps you from working — so the plan keeps compounding even when you can't.
The most overlooked risk in most plans.
Statistically, a working professional is far more likely to experience a long-term disability than an early death — yet disability insurance is often the last coverage people buy.
For business owners and self-employed professionals, group and government coverage is usually inadequate and defines disability narrowly. A personally owned, own-occupation contract pays if you can't perform the specific duties of your own profession.
We design contracts that protect the income you actually earn, with features like future insurability, cost-of-living adjustments, and non-cancellable premiums.
What's inside
The details that matter.
Own-occupation
Pays if you can't do your specific profession.
Long-term benefits
Coverage that can last to age 65 or beyond.
Future insurability
Increase coverage as your income grows — no new medical.
Non-cancellable
Premiums locked; contract can't be changed by the insurer.
Business overhead
Cover fixed business expenses while you recover.
Talk it through
See how this fits your plan.
Book a private strategy call and we'll walk through how this service works inside a plan built for you.