Disability

Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every NC disability insurance policy from every insurance company is very different. This is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.

Our goal is to provide you with a resource to make an educated decision on your own. We will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy.