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Now offering Disability and Critical illness insurance.

How would you pay the bills if you were injured or critically ill and could not work for a long period of time or even a short period of time. Often people say they would collect social security. Well, that is all and well but would it cover the bills?

"At the beginning of 2019, Social Security paid an average monthly disability benefit of about $1,234 to all disabled workers. That is barely enough to keep a beneficiary above the 2018 poverty level ($12,140 annually)." (

Critical Illness Insurance

Critical illness insurance can help if you have any of the following:

  • Heart attack

  • Stroke

  • Organ transplants

  • Cancer

  • Coronary bypass

Critical illness insurance can also pay for costs not covered by traditional insurance. The money can be used for nonmedical costs related to the illness, including transportation, child care, etc. Typically, the insured will receive a lump sum to cover those costs. Coverage limits vary. You could be eligible for a few thousand dollars all the way up to $100,000, depending on your policy. Policy pricing is impacted by a number of factors, including the amount and extent of coverage, the sex, age, and health of the insured, and family medical history.

Disability Insurance (Short term disability and long term disability)

Short-Term Disability Insurance. Pays you direct weekly benefits in as little as 7 days that can last up to 6 months if you become too sick or hurt to work.

Long term disability income insurance protects the income of people who are affected by disabilities for an extended period of time. It covers serious injuries and illnesses that limit or prevent a person from working for several months or years — even permanently.

Interested? You can get a quote right online at:

(Short term disability coming soon!)


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