Your income is the engine that funds everything. Protect it.
If your paycheck stopped tomorrow because of an illness or injury, how long would your family be okay? For most people, the honest answer is "not long enough." Income protection fixes that.
In plain English
Income protection is a category of coverage — disability insurance, critical illness, and certain life insurance riders — that pays you a benefit if you can't work due to illness or injury.
Disability insurance replaces a portion of your monthly income (usually 50–70%) for a defined period if you're unable to work. Critical illness pays a lump sum if you're diagnosed with cancer, heart attack, stroke, or other major conditions.
Together, they fill the gap that life insurance and health insurance leave wide open: what happens to the bills when you're alive but not earning.
What this actually looks like
If your income suddenly stops…
The average long-term disability claim lasts almost 3 years. Most savings accounts run dry in 90 days. Income protection bridges that gap.
If you're diagnosed with cancer at 45…
Health insurance covers the treatment. It does not cover the mortgage, the car payment, or your spouse taking time off to be with you. Critical illness coverage does.
If you're self-employed or commission-based…
There's no employer disability plan to fall back on. A personal policy is the only thing standing between an injury and total financial freefall.
What people think vs. reality
"I have disability insurance through work."
Group plans usually replace only 60% of base pay (no bonuses), are taxable, and end the day you leave. A personal policy fills those gaps.
"I'll just rely on Social Security disability if I need it."
About 65% of SSDI applications are denied. Approval often takes years. It's not a plan — it's a backstop.
"This is for older people or risky jobs."
Most long-term disabilities come from illness — cancer, heart, back, mental health — not workplace accidents. It can happen at any age.
A guide, not a salesperson
My job is to make this simple, honest, and built around your life — not push a product.
I look at what you already have through work and figure out the actual gap — not a one-size-fits-all recommendation.
I match you with the right type and amount of coverage from carriers that have a strong track record of paying claims.
I explain definitions clearly — "own occupation" vs. "any occupation" matters more than people realize, and most agents skip it.
If you're already well-covered, I'll tell you. The goal is the right protection, not the most.
Ready when you are.
Call or text 405-339-2220Backed by 35+ A-rated carriers
As an independent broker, I shop the entire market — including F&G, North American, Corebridge, Allianz, Mutual of Omaha, Lincoln Financial, Prudential, and many more — to find the right fit for you.