Why Work With an Independent DI Broker?
Disability insurance is the most complex individual insurance product to shop. Each carrier uses different own-occupation definitions, exclusion riders, and underwriting guidelines. As independent brokers, we represent Guardian, Principal, The Standard, Ameritas, Ohio National, and others — and we match your specific occupation and health profile to the carrier most likely to offer the best contract.
Occupation class is the single most important factor in DI pricing and contract quality. We start here.
We shop the top individual DI carriers and compare definitions, riders, and premiums side by side for your specific profile.
We explain the differences between own-occupation, modified own-occupation, and any-occupation definitions — clearly and without jargon.
Once you decide, we manage the entire application and medical underwriting process through to your policy being issued.
Disability Coverage We Help You Find
We represent the leading individual disability income carriers and can design the right policy for your income, occupation, and health profile.
Own-Occupation DI
The gold standard. Benefits pay if you can't perform the specific duties of your own occupation — even if you're working in another field. Critical for physicians, dentists, and attorneys.
High-Limit / Excess DI
For high earners whose income exceeds what traditional DI carriers will cover, we access Lloyd's of London through Petersen International to provide supplemental high-limit coverage.
Business Overhead Expense
Pays your business's fixed overhead expenses — rent, staff, utilities — while you're disabled and unable to work. Essential for self-employed professionals and practice owners.
Key Person Disability
Protects a business from the financial impact of a key employee becoming disabled. Benefit paid to the business to cover lost revenue or replacement costs.
Buy-Sell Disability
Funds a buy-sell agreement if a business owner becomes disabled, ensuring the remaining partners can purchase the disabled owner's interest at a fair price.
Group / Voluntary DI
Employer-sponsored group disability coverage and voluntary supplemental DI for employees. We design and place group DI plans for businesses of all sizes.
Use the quote form above or call us directly to speak with a licensed disability insurance specialist.
Call 1-888-972-0024