Disability Income

Individual disability income policy

Pays you directly if you become disabled and can’t work — personal income replacement.

Business overhead expense policy

Covers business operating expenses (like rent, payroll) if the owner becomes disabled.

Business disability buyout policy

Funds a buy-sell agreement so partners can buy out a disabled owner’s share

Group disability income policy

Offered by employers — group plan that pays disability benefits to employees.

Key employee policy

Pays a benefit to a business if a critical employee is disabled and can't work.