The ability to earn a living is often thought of as our greatest asset, second to our families and loved ones. You are far more likely to suffer a disability, preventing you from earning a living, than dying before your life expectancy is reached. Addressing this risk is the purpose and benefit of disability insurance.

Disability insurance can protect a portion of your income, your business interest and preserve your business value. When structured properly, the calamity of permanent disability can be addressed and solved.

The three most popular versions of disability insurance are:

1. Disability Income – to replace a portion of your income in the event of a disabling injury or illness.
   
   
2. Disability Buyout – to guarantee the value of your business interest after an extended injury or illness and provide a healthy business partner with the ability to continue operating profitably.
   
   
3. Disability Overhead Expense – indemnifies a business for a limited period against the loss of overhead expenses from a disabled, non-income producing owner.