Disability & Income Protection
Life insurance covers your family if you die. Disability insurance covers your family if you can't work. Learn how both fit together in a complete financial safety net.
Disability Insurance Explained
Why it matters, how it works, and how it integrates with your life insurance and income protection strategy.
Short-Term vs Long-Term Disability: Which Do You Need?
Understand the coverage periods, benefit amounts, and how to choose the right combination for your family.
Income Protection for Self-Employed & Freelancers
Build your own safety net: disability insurance strategies when you don't have employer benefits.
Two Types of Risk Need Two Types of Protection
Life insurance and disability insurance are often treated separately, but they work together as parts of the same protection strategy. Life insurance covers the risk of death; disability insurance covers the risk of being unable to work.
Both matter:
- •Disability is more likely than death — at age 35, there's a 35% chance you'll have a 3-month+ disability before retirement
- •Many people lack coverage — employer plans often don't cover enough; self-employed have no backup
- •Short-term shocks are different from long-term recovery — you need different coverage for each
- •Self-employed face unique risks — no employer group plan means you build your own safety net
Use these guides to understand how disability insurance fills gaps that life insurance can't, and how to build complete income protection for your family.
Build your complete protection strategy
Get quotes for life insurance. Then discuss disability coverage in your personalized review with our advisor.
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