Disability Income Insurance

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Client Arturo at his day job delivering packages

Meet Arturo

Delivery driver & weekend warrior

We recommended a disability policy for our client Arturo because of his job as a delivery driver. He made up to two dozen stops a day, emptying trailers and hauling product into stores. Tight corners, steps, heavy lifting, pushing a dolly, driving a forklift, you name it, he did it. But we knew that if he got seriously hurt, there was no chance he’d be able to do all that right away.

So we recommended an Assurity disability income insurance policy, which would replace up to 40% of his income if he became temporarily disabled due to an injury or illness. And not long after we got him covered, he tore his ACL playing soccer. That meant at least four months of being unable to work. Luckily, his policy paid out as soon as his 30-day waiting period had cleared.

I never thought I’d get hurt outside of work. I figured if anything happened, I’d be covered by workers comp. My agent explained why that wasn’t enough, and now I see why. Thanks for helping me make a good decision.”
– Arturo L.

What’s your plan if you get sick or hurt and can’t work?

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2022: An Economic Snapshot

If money’s on your mind these days, you’re not alone.

Prices for so many things feel out of control. Housing is getting more unaffordable by the day. Need a car? Used car prices are hitting the rev limiter as computer chip supply shortages put a squeeze on new car sales. Plus, the high cost of gasoline and supply chain shortages are making all our lives harder – and more expensive – than they should be.

But that’s not all that’s happening.

Man with his hand to his face, looking stressed out

The Issue No One Is Talking About

All this worry about money has us really stressed out.

Thanks to inflation, your money is worth less today than it was the day before. That's enough to stress anyone out! And when you’re stressed, your body’s defenses start to weaken and break down. This means you’re more susceptible to sickness. What if you got sick and couldn’t do your job? Imagine having to survive these tough economic times with a sickness or unexpected disability. How long would your savings last?

You Have a Choice

Did you know that 90%* of disability claims are due to illness, not injuries or accidents?

If COVID taught us anything, it’s that getting sick can be more than just a fever and cough. An unexpected illness can happen at any time. And if that illness makes you so sick you can’t work, there are two ways to deal with that.

People with disability income insurance filed a claim and got paid.

People without disability income insurance had to fight with the Social Security Administration to try and get government benefits. But the government doesn’t pay you just because you made a claim. They require you to look for alternative work – often lower-paid lower-skilled jobs. Instead of focusing on recovery, people trying to get government benefits had to start looking for new jobs or a new career.

Which situation would you prefer if this happened to you?

*Council for Disability Awareness, "Research: CDA Surveys and White Papers"

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The Solution: Disability Income Insurance

When you own your own disability income insurance policy, here's how it works. If you get sick or hurt and can no longer do your current job, the insurance company pays out. It’s that simple. Don’t rely on your employer or the government - you can get your own disability policy. Let our licensed insurance agents help you protect the one asset that keeps a roof over your family – your ability to earn a paycheck!

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My Recommendation: Assurity Simplified Issue

I recommend this particular policy because it’s faster and easier to get covered than ever before.

Assurity logo

  • Easy application – just answer a few simple questions
  • Fast turnaround – you’re covered in days, not weeks
  • No medical exam – just a phone interview, if needed, on a case-by-case basis
  • Partial or full disability – you get paid for either type of disability

Protect your paycheck with a disability income policy!

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What This Policy Offers

Coverage that protects your paycheck

  • Your choice of waiting periods: 30, 60, 90, or 180 days
  • Your choice of benefit periods: 6 months, 1 year, 2 years
  • If you're totally disabled: pays the full monthly benefit
  • If you're partially disabled: pays 50% of the full monthly benefit
  • Monthly benefits range from $300 to $3,000 (you choose the amount, up to 60% of your monthly income)
  • Available to applicants aged 18 – 59
  • Guaranteed renewable up to age 67
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Man in work clothes wiping sweat from his brow

That's Not All an Assurity DI Policy Can Do

You can also buy optional policy riders (add-ons) that offer extra benefits:

  • Critical illness benefit. Pays a benefit of $5,000 or $10,000 if you receive a new diagnosis for a covered illness (such as a heart attack, stroke, or cancer).
  • Retroactive injury benefit. Pays a benefit if an injury causes you to become totally disabled within 30 days of the injury and you stay totally disabled until the end of the waiting period.
  • Return of premium benefit. Pays you back all policy and rider premiums you paid while the policy was in force once you reach age 67 or pass away (or if you lapse or cancel your policy).

About Assurity

In business for over 130 years, Assurity sold its first disability policy in 1890.

Today, the company is headquartered in Lincoln, Nebraska and combines the shared resources of three Lincoln-based companies: Woodmen Accident and Life, Security Mutual Life, and Lincoln Mutual Life. Assurity processes most claims in 7-10 days and is also a certified B Corporation, showing their commitment to sustainability and community responsibility.

Protect your paycheck with a disability policy!

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Why Work with WholesaleInsurance.net

Our awesome staff & licensed agents are here to help you get the right policy at the right price! Let us do the heavy lifting for you - we'll shop the nation's top carriers and show you the policies that meet your needs and your budget. Call 800-823-4852 now to get your free quote!

Meet the Team

Christine Orris Debby Strouse Tammy Walde
Christine Orris
Team Lead

“I’ve been in the life insurance industry for 25 years. In addition to life insurance, I’m also experienced in disability and property & casualty insurance (home & auto coverage). I especially enjoy helping my higher risk clients find the best possible coverage. The whole purpose of buying life insurance is to protect the ones you love! After hours, you can find me camping, gardening, hiking, boating, and spending time with my wonderful husband, two children, and fur babies.”
Debby Strouse
Insurance Advisor

“I have 17 years of experience in the life insurance industry. I come from a teaching background, so my favorite part of this job is being able to teach someone who’s new to life insurance. I explain that life insurance is for protection. It prevents families from the financial trauma of losing a loved one so their focus can stay on mourning. My mother passed with no insurance, and we had to sell her things to pay for final expenses. I really do care about helping my clients and I don’t want them to go through that. When I’m not at work, my grandchildren and my kids are my world.”
Tammy Walde
Insurance Advisor

“I started in the insurance industry when I was still in high school. Shortly after, I obtained my license and I’ve been helping families with their insurance needs ever since. No one can truly predict the future. But life insurance means you and your loved ones can prepare for the loss of income. I have a client that wanted to set aside money for his daughter’s wedding, if he was not able to be there. That brought me to tears. When I’m not helping clients, I love fishing in local rivers and lakes. Everybody can see me coming with my pink fishing jacket.”

Your disability income insurance premium can only be determined by a full application and the carrier's underwriting process. Depending on the carrier, premiums can be paid on an annual, semi-annual, quarterly or monthly basis. Monthly premium rates may be available via EFT (electronic funds transfer). Not all features or riders are available for all ages in all states. By providing your phone number and the name of your wireless carrier, you agree to WholesaleInsurance.net's privacy policy and terms of use. You also agree to receive communication from us at the phone number(s) you provide. Our communication with you may include autodialed or pre-recorded calls, emails, and SMS or MMS messages. You may opt out at any time. You may also call us directly at (800) 823-4852.

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