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Disability Insurance

Disability Insurance

Individual Disability Insurance

Disability Insurance is truly a basic concept.  It is an insurance product designed to replace up to 67% of your gross income. Income could be tax-free or taxable depending on how it is structured.  Should sickness or illness prevent you from earning an income, this product can make the difference between a good quality of life and a marginal existence that erodes the fruits of your life’s work.

These insurance policies can be very different.  This is not a product where you can simply shop for the most competitive rate.  Terms and conditions are important features of a disability contract.

Critical Illness Insurance

Critical Illness Insurance is a newer form of disability insurance.  It pays a lump-sum cash payment when an insured succumbs to one of the covered conditions.

At Barnett & Associates, we understand these risks and we work only with the most reputable insurance carriers.  Call us to discuss your needs.  We’ll provide a frank and candid insight into your options and help you select the best insurance for your individual circumstances.