Your biggest asset is your ability to earn
Accidents and illnesses are facts of life — they can happen to anyone, at any time. Disability insurance protects your ability to earn an income by replacing a portion of your earnings if you can’t work.
Think about it: a 35-year-old earning $50,000 a year could earn about $1.5 million by age 65 — even with no raises. Isn’t that worth protecting?
How policies differ
Some policies assess your income when the policy is issued; others check it at the time of a claim. Pricing and issue classes differ between the two types, and we’ll explain which suits your work.
A range of coverage options are available for personal and business needs, including overhead expense coverage for business owners.
Is this right for you?
- Employees without (or with limited) group disability
- Self-employed people and trades
- Professionals and business owners
Frequently asked questions
How much of my income can I insure?
Typically a percentage of your earnings, depending on the insurer and your occupation.
What is a waiting period?
The time between the start of a disability and the first payment — often 30, 90 or 120 days. A longer wait lowers the premium.
How it works
Talk to Brinder
Tell us about you and what you need — by phone, email or in person.
Compare options
We compare plans and explain the differences in plain language.
Get covered
We help you apply, then stay with you for renewals and claims.