Disability Insurance

If you were unable to work due to a sickness, injury, surgery, pregnancy complications or maternity leave, would you be able to pay your normal everyday expenses and maintain your lifestyle? A disability can occur at anytime and in an instant your income could drop significantly.

If you have ever looked into disability insurance, you may have realized that this type of insurance is just about impossible to find for a salon or spa professional and even harder if you are a sole proprietor. If you happen to have come across a plan, you may have been disappointed with how it did not meet your needs due to extremely long waiting periods, low monthly benefit amounts, denial of coverage due to your age, or the lack of coverage for pregnancy complications and maternity leave. However, our disability insurance should be just what you have been looking for, and applying for coverage is very easy. 

Below are some highlights of the plan and an income chart, so you can see how much income you may qualify for.

  • Rates are affordable and start at $4 a week
  • Your benefits are paid to you as tax-free income
  • You are covered 24/7 both on and off the job
  • No waiting period for an accident to be covered
  • 7 day waiting period for a sickness, surgery and pregnancy complications
  • Monthly benefits from $400 - $6,500
  • Your level of coverage is based on your gross income and not your net income
  • Applying for coverage is simple and only takes 20 minutes
  • No medical exam required to apply for coverage
  • You can apply for coverage through the age of 74 in most states
  • You can continue your coverage until age 75 in most states
  • You must be working at least 20 hours a week to apply for coverage
  • Rates do not increase as you age
  • Rates do not increase if you submit a claim
  • You will be billed on a monthly basis and can cancel anytime
  • Pre-existing conditions are covered one year after the policy effective date
  • Receive 100% of your disability benefit if your incident occurs outside of work
  • Receive 50% of your disability benefit if your incident occurs while at work
  • Maternity leave is covered 9 months after the policy effective date. As long as you give birth after 9 months of having your policy, you can submit a claim

Your Annual Gross Income

Your Monthly Disability Benefit

$130,000 $6,500
$120,000 $6,000
$110,000 $5,500
$100,000 $5,000
$90,000 $4,500
$80,000 $4,000
$70,000 $3,500
$60,000 $3,000
$50,000 $2,500
$40,000 $2,000
$30,000 $1,500
$20,000 $1,000

Coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable. For cost and complete details, please contact a representative.