Disability Insurance provides financial protection when an accident or illness causes you to be disabled to earn an income. You are unable to work as a result of injury or illness, Disability Insurance replaces up to 2/3 of your income. Unlike Critical Insurance and Life Insurance (where the benefit is usually payable in a lump-sum and such payment ends the contract), Disability Insurance benefits are always payable on a monthly basis while disability continues until age 65. Upon recovery from a disability, the policy continues. With disability insurance, you'll be able to meet your financial obligations if you can't work because of an accident or an illness.

It's the right choice for you if:
• You don't have group insurance coverage
• You're in business with partners or you're self-employed

Advantages and features
• Pays a non-taxable benefit every month that you're disabled
• The benefit is a percentage of your regular income
• You can spend the benefit however you want
• Can be combined with life or health insurance, or purchased as stand-alone coverage