Maintains financial stability during illness or injury.
Prevents depletion of personal or retirement funds.
Reduces stress knowing bills and obligations can still be met.
Can be short-term or long-term, tailored to your needs.
Can help entrepreneurs maintain business expenses or key-person coverage.
Your greatest asset is your ability to earn an income. So protect it
Medical emergencies or injuries can occur unexpectedly.
Protects dependents and lifestyle in case of prolonged absence from work.
Helps avoid debt accumulation during recovery.
Anyone who relies on their income to cover living expenses, especially primary earners or self-employed individuals.
Short-term disability (weeks to months) and long-term disability (years or until retirement).
Typically 60–80% of your pre-tax income.
Yes, younger and healthier applicants usually pay lower premiums.
Most policies cover illness, injury, or accident that prevents you from working.
If premiums are paid personally, benefits are usually tax-free.
Yes, it can complement life, critical illness, and health insurance for full protection.
