Income Shield & Supplemental Protection
Equip white-collar executives, high-earners, and enterprise businesses with elite disability policies. Our underwriters simplify complex occupational classifications and secure high-limit benefit contracts.
Shielding the Earner’s True Engine
A client’s greatest asset is not their home or equity—it’s their ability to earn a paycheck. Plan ahead with elite coverage.
Individual DI
Non-cancelable, guaranteed renewable income solutions with clear “Own Occupation” clinical benefit definitions.
Business Overhead
Covers structural monthly operating costs like lease, salaries, and utility bills if a business owner gets disabled.
Critical Illness
Lump-sum cash payments directly to the client immediately upon standard diagnoses of stroke, cancer, or heart failure.
Key Person DI
Safeguards startup liquidity by funding replacement recruitment processes if essential creators are injured.