A 30-year-old professional earning $120,000 per year will generate over $3.6 million in cumulative gross earning potential over their working lifetime. Yet, many rely entirely on limited employer-sponsored group disability coverage that pays taxable, capped benefits.
Individual own-occupation disability insurance ensures that if an injury prevents you from practicing your specific professional specialty, monthly non-taxable income replacements continue uninterrupted.
$1,000,000 in Personal Liability for $200 a Year
Personal Umbrella Insurance provides secondary liability protection above auto and homeowner limits. For less than $20 a month, a $1,000,000 umbrella policy shields investment accounts, personal home equity, and future wages from devastating civil lawsuits.
