Disability Insurance (Income Protection) If I am injured resulting in some period of time in which I can not work or earn a living, what will happen to all I have worked so hard to obtain, and how can I protect my loved ones?
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 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. Innovative Benefit Solutions is here to provide you 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.
Solutions For You: We provide disability products for people of all walks of life. Blue collar to professional and self-employed. Find out what we can do for you. Here are some of the products we offer: