Life insurance covers death. But what about the years you spend unable to work? Disability, critical illness, and accident coverage protect the income your family depends on — while you're still alive.
Three distinct threats to your paycheck. Three distinct products that address each one.
Replaces your paycheck if illness or injury sidelines you
Cash payout upon diagnosis of cancer, heart attack, or stroke
Out-of-pocket costs from unexpected injuries
A paycheck disability is one of the most common, and most financially devastating, events a Texas family faces.
Most employer short-term disability plans cover 60% of your salary — for 90 days. After that, nothing. Long-term disability insurance picks up where your employer leaves off, often for years.
Freelancers, contractors, and small business owners have no sick days, no STD plan, and no one to cover them. If you can't work, you can't bill. Disability coverage is your income safety net.
If you're a surgeon, dentist, electrician, or nurse — your career depends on specific physical ability. Own-occupation disability coverage pays if you can't perform your specific job, not just any work.
The mortgage still due. The grocery bill still arrives. Daycare, school fees, car payments — none of them pause for a disability. Income protection ensures your family's routine survives your recovery.
No doctor visits. No agent callbacks. No weeks of underwriting. Just a fast, fully online process.
Occupation, income, health basics — takes about 2 minutes. No commitment, no contact info required upfront.
Disability and income protection rates appear immediately. Compare benefit amounts and elimination periods side by side.
Complete your application digitally. Our carrier partners' platform processes it without the traditional back-and-forth.
Once approved, your benefit kicks in after your elimination period. Your income is protected — no matter what happens.
A disability or serious illness doesn't just affect your health — it attacks your bank account. Here's what the numbers look like for the average Texas household.
Typically no. Employer STD usually covers 60% of your base salary for 90–180 days. If your disability lasts longer — or if you're self-employed — you have no coverage. An individual long-term disability policy from our carrier network can extend benefits to age 65.
Disability insurance replaces your monthly income as long as you can't work — it's ongoing monthly payments. Critical illness pays a one-time lump sum when you're diagnosed with a covered condition (cancer, heart attack, stroke, etc.) regardless of whether you can work. Many clients carry both.
Yes. This is actually one of the most important use cases. Self-employed Texans have no employer fallback — no STD, no sick days. Our carrier network offers disability income products available for self-employed individuals that can be structured around your actual net income.
Critical illness products in our carrier network cover 30+ conditions including all major cancers, heart attack, stroke, coronary artery bypass, kidney failure, major organ transplant, coma, paralysis, and more. The complete list is provided in your policy document.
Absolutely — and many clients do. They serve different purposes. Disability provides ongoing income replacement for as long as you can't work. Critical illness provides an immediate lump sum to handle the spike in expenses around a serious diagnosis. Together they form a comprehensive income protection strategy.
Income protection is underwriting-sensitive — it gets harder to qualify as you age or develop health conditions. The best time to lock in coverage is now.