Disability Insurance safeguards your most valuable asset – your ability to earn an income. Plan ahead for unforeseen circumstances. One in four adults will experience a disabling event before retirement age. Without a safety net, you risk losing your primary source of income during critical times. Here's why Disability Insurance is non-negotiable:
Disability Insurance provides financial support by replacing a portion of your income when you're unable to work due to illness or injury.
Without Disability Insurance, a sudden disability could leave you struggling to cover daily expenses, medical bills, and long-term costs. Protect your future today.
Many families face financial devastation when a primary income earner becomes disabled without adequate insurance. Don’t let this happen to you.
It depends on your income, savings, and monthly expenses. Ideally, your coverage should replace at least 60-70% of your gross income to ensure financial stability.
of working adults will experience a disability during their career. Prepare now to stay secure later.
of your income can be replaced with a robust Disability Insurance plan.
of claims are approved for policyholders with comprehensive coverage.
Our experts are here to tailor a Disability Insurance plan that suits your needs. Don't wait until it's too late.
Submitting an application or receiving a quote does not guarantee approval for coverage. Approval is subject to the insurer's underwriting guidelines. All policies are subject to the terms, conditions, and exclusions specified by the issuing insurer. Refer to your policy documents for full details. Any references to an insurer's financial strength are based on publicly available ratings and are not a guarantee of future performance. This site is operated by a licensed life and health insurance agent authorized to conduct business in Kentucky. Services and products may not be available in all states. Insurance quotes displayed on this site are for illustrative purposes only. Actual premiums, terms, and coverage amounts will vary based on the underwriting process and provider terms. Insurance policies are regulated by state law and subject to the terms and conditions of the issuing insurer. Please consult a licensed agent in your state for specific details. For personalized advice or quotes, please contact us directly. Policy specifics, including costs and eligibility, will be provided upon request after consultation. This site may contain links to third-party websites or services. We are not responsible for the accuracy or practices of these providers. Always verify terms directly with the provider. For personalized advice or quotes, please contact us directly. Policy specifics, including costs and eligibility, will be provided upon request after connecting with us. By submitting your information, you consent to be contacted by a licensed insurance agent/representative. Personal information provided on this site will be used to provide quotes and services as requested. Please review our Privacy Policy for details. Hurstbourne Insurance and Financial LLC may receive compensation from insurance providers for policies sold. This does not influence the recommendations provided to you. This site is intended to be accessible to all users. If you encounter any difficulties accessing the content, please contact us at contact@hurstbournewealthmanagement.com. We do not provide tax or legal advice. Consult with a qualified professional for information on how life insurance may affect your taxes or estate planning. The content on this website is for informational/educational purposes only and should not be considered as personalized legal, financial, or insurance advice. While we strive to provide accurate information, we are not responsible for errors, omissions, or inaccuracies. Use the information at your own risk.
