Protecting your income

Disability Insurance, often called DI or disability income insurance, or income protection, is a form of insurance that insures the beneficiary’s earned income against the risk that a disability creates a barrier for completion of core work functions

Planning for the unexpected

When an long-term disability happens, you’ll have enough to worry about. How you replace your income shouldn’t be one of them. Disability insurance provides peace of mind income during the time you’re out of work.

However, there are some things to consider when planning your insurance needs. The cost and the coverage are the two most important.

Disability insurance as unique as your income

Your income may be your greatest asset. Having the right coverage begins with understanding your options. At PRP insurance, we will ask you the right questions to help you better understand your needs. Together, we can plan for your peace of mind.

Kevin is a surgeon who is has a terrible accident remodeling his home on the weekend. Kevin is no longer able to use his right hand and therefore no longer able to work as a surgeon.

Under the own-occupation insurance definition, Kevin may not be able to perform the substantial duties of his occupation as a surgeon.

If Kevin had an own-occupation disability insurance policy, he would receive full benefits, regardless of whether he chooses to work in another medical specialty or another profession altogether.

This is why own-occupation policies provide the most flexibility for policyholders and are critically important for many professionals.

Let's plan it together.

PRP Insurance offers plans from a wide range of insurers, allowing us to shop and compare plan benefits.

Speak with a licensed agent and get expert advice on choosing a plan that’s right for you.

No Cost – No Obligation.