Risk protections
Disability Income Protection
For most owners and professionals under sixty, the largest asset is not the portfolio or the business — it is the ability to keep earning. Group coverage rarely protects it fully.
Who this is for
High earners whose income is the plan’s foundation
Business owners, physicians, attorneys, and executives whose compensation outpaces what group long-term disability will replace. Partnerships that need to fund a buy-out if a partner becomes disabled. Companies that want to offer disability protection as a recruiting and retention tool.
Coverage we design
Covering what the group plan leaves out
Individual disability insurance
Portable, non-cancelable coverage that supplements a group plan — particularly on bonus and K-1 income that group coverage ignores — with a defensible definition of disability for a specialized occupation.
Business overhead expense
Reimburses rent, payroll, and fixed costs while a disabled owner recovers, so the practice or firm is still there to return to.
Disability buy-out
Funds the purchase of a disabled owner’s interest under the buy-sell agreement — the disability counterpart to the life insurance behind it.
Guaranteed-issue and multi-life
Where a company sponsors coverage for a group of executives, discounted multi-life and simplified underwriting can bring in people who would not qualify individually.
Related protections and strategies