Disability Income Insurance

Protect Your Most Valuable Asset: Your Income.

Your ability to earn an income is the foundation of your financial plan. It allows you to save for retirement, provide for your family, and achieve your goals. But what would happen if an illness or injury prevented you from working?

Why Disability Insurance is Essential

Many people associate "disability" with a catastrophic accident. In reality, the leading causes of disability are common health events like cancer, migraine, heart disease, back injuries, and prolonged illness. Recovery can take months or even years.

Without a plan, a disability can quickly deplete savings, derail retirement plans, and create significant financial stress. Disability insurance acts as a paycheck protection plan, providing a tax-free monthly benefit that replaces a portion of your income so you can focus on recovery without financial compromise.

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Individual Disability Insurance: Protect Your Personal Finances

Individual disability insurance is designed to protect your lifestyle and long-term financial health.

Maintain Your Standard of Living: Benefits help cover essential expenses like your mortgage, utilities, groceries, and other daily costs.
Flexible Coverage Options: Policies with benefit periods custom to your needs, typically replacing up to 60-70% of your pre-disability income.
Safeguard Your Future: By ensuring your income continues, you can protect your retirement savings, college funds, and other investments from being used for daily living expenses.

If your livelihood depends on your ability to work, this protection is not a luxury - it's a necessity.

See our Solutions for Physicians for more information disability insurance for physicians.

Business Disability Insurance: Protect Your Company's Future

For business owners, professionals, and key employees, disability extends beyond personal risk - it can threaten the organization.

Business Overhead Expense (BOE) Insurance: If you are disabled, a BOE policy pays the ongoing operating expenses of your business such as: rent, employee salaries, utilities, and loan payments. This allows your business to remain open while you recover.
Key Person Protection: A disability policy can be taken out on a crucial partner or employee whose absence would severely impact revenue. The benefit helps the company manage the financial impact and fund a temporary replacement.

This coverage is vital for businesses, medical practices, and law firms where the success of the enterprise is tied to the efforts of a few key individuals.

Your Next Step: A Personalized Protection Plan

At 1752 Financial, we simplify the process. We will work with you to:

Assess your income protection needs.
Explain the key differences between policy features and riders.
Help you select a comprehensive and cost-effective solution tailored to your unique situation.

Your income is the engine of your wealth. Let's ensure it's protected. Request a quote or more information with the form below.

Request a disability insurance quote by filling out the form below.

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Medical Society of Virginia Members: 1752 Financial has teamed up with the Medical Society of Virginia (MSV) to provide coverage supplement to physicians whose disability income insurance is not enough. The Income Protection High Limit Disability Program offers a true own-occupation definition, significantly higher limits on monthly coverage, and discounts exclusive to MSV members.

See our Solutions for Physicians for more information about life and disability insurance for physicians.