Protect Your Income with Individual Disability Insurance

Replace as much as 80% of your income with a tax-free monthly benefit.

Understanding Your Personal Disability Insurance Coverage

Individual Disability Insurance (IDI) replaces a portion of your income — typically 60-80% — if you become unable to work due to illness or injury. Your income is your most valuable financial asset, and a disability can threaten everything you have worked for. For more information, see the Social Security Administration’s disability benefits information.

Most people insure their homes, cars, and health — but few adequately protect their income. Statistics show that one in four workers will experience a disability lasting 90 days or more during their working years.

SecureLife’s individual disability policies are portable (they follow you if you change jobs), comprehensive, and customizable to your specific occupation and income level.

Unlock Powerful Advantages for Your Business Success

Income Replacement

Receive up to 80% of your pre-disability income as a tax-free monthly benefit.

Own-Occupation Definition

The strongest policies pay benefits if you cannot perform the duties of your specific occupation.

Non-Cancelable Policies

Your insurer cannot cancel your policy or increase your premiums as long as you pay on time.

Short and Long-Term Options

Choose from short-term (3-24 months) and long-term (to age 65 or lifetime) coverage.

Partial Disability Benefits

If you can return to work part-time, residual benefits make up the difference in income.

Optional Riders

Add cost-of-living adjustments, future increase options, and student loan protection.

Discover if our solution is the right fit for your needs

Individual disability insurance is essential for anyone whose livelihood depends on their ability to work — especially those in specialized or high-income professions.

Specialized tax strategies for physicians, dentists, and lawyers

Custom insurance for entrepreneurs and small business owners

Business owners and freelancers reliant on company revenue

Employees currently without essential disability protection

High-potential professionals with strong future earnings

Essential coverage for mortgages, debts, and personal loans.

How Our Proven Process Steps Lead to Success

Secure Your Future With Ideal Insurance Coverage

Your advisor will help you determine how much monthly income you need by reviewing your current earnings and expenses.

Customize Your Comprehensive Insurance Policy Features

Tailor your plan by choosing your coverage length, benefit terms, and extra protection options.

Streamlined Underwriting and Loan Approval Process

We will assess your eligibility through a standard review of your income and health profile.

Protect Your Future With Comprehensive Coverage Plans

Once approved, your coverage starts, and if you become disabled, you can file a claim to receive monthly benefits.

Frequently Asked Questions About Our Professional Services

What is the own-occupation definition of disability?

Under an own-occupation policy, you are considered disabled if you cannot perform the material duties of your specific occupation — even if you could work in another field.

How long do disability benefits last?

You choose your benefit period at purchase. Options typically include 2 years, 5 years, to age 65, or lifetime.

Is disability insurance income tax-free?

Benefits from personally purchased disability policies are generally received income-tax-free.

What is the elimination period, and how do I choose?

The elimination period is the waiting period before benefits begin — typically 30 to 180 days. Choose a period that matches your liquid emergency savings.

Secure Your Future with Individual Disability Coverage

Speak with one of our licensed advisors — free consultation, no obligation.

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