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Disability Insurance 

Disability insurance works when you can’t.

If an injury or serious illness prevented you from working, how would you pay your bills? Without Disability Insurance protection, workers and their dependents are “living on the edge,” at risk of losing their homes and savings. The risk of disability is much higher than the risk of premature death. So, it would be a wise decision to get your disability insurance.

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What is Disability Insurance?

Disability Insurance replaces a portion of your income should you be disabled as a result of Injury or Illness and unable to work and earn a living. It gives you tax-free money which you could use wherever you want to; buy food, pay bills and cover household expenses. 

Features of Disability Insurance

Choice of monthly benefit amount- Choose your benefit amount, usually up to 70-75% of your monthly income

Coverage options- You can choose coverage for injury only or both injury & illness

Waiting Period-This is the time you have to wait before benefits begin. You could choose from 0, 30 day or 120 days

Benefit Period- This is the length of the time for which benefits are payable, usually up to 2 years, 5 years, or till age 70

Waiver of premium- Your premiums will be waived if you are disabled and being paid monthly benefits.

Waiver of premium- Your premiums will be waived if you are disabled and being paid monthly benefits.

Return to work assistance- Receive services that can help you get back to your job.


Accident medical treatment– It covers certain medical expenses not covered by government health insurance plans.

PortableYou can keep your coverage even you change your job

Cost of Disability Insurance

Several factors determine the cost of disability insurance such as your health condition, your earnings, your occupation, and the type of coverage you aspire to purchase.

How we can Help?

Before concluding buying disability insurance, one should keep in mind that it should be a renewable, non-cancellable policy. This type of policy cannot be canceled and the policy is renewed without any medical examination and the premiums will remain fixed for that period of contract. 

With our expertise, we can compare and recommend a product that will provide you more comprehensive and tailored coverage.

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