Never Let Illness or Injury Drain Your Family’s Finances
Disability income insurance replaces up to 70% of your income if you can’t work due to sickness or injury — keeping your family’s financial life intact while you recover.
Why Income Protection Is One of the Smartest Financial Decisions You Can Make
Your ability to earn income is your most valuable financial asset. If you became disabled today, how long could your family survive without a paycheck? Income protection insurance ensures your income continues even when you can’t work, covering everything from mortgage payments to daily living expenses.
Replaces Up to 70% of Income
Monthly benefit payments keep arriving even while you’re unable to work — replacing the bulk of your lost earnings.
Short & Long-Term Coverage
Choose short-term policies (90 days to 2 years) or long-term coverage that pays until retirement age if needed.
Own-Occupation Coverage
The strongest form of coverage — you’re considered disabled if you can’t perform YOUR specific job, even if you could do another.
Customizable Benefit Period
Select your benefit period — 2 years, 5 years, to age 65, or for life — to match your financial obligations and risk tolerance.
15+
Top-Rated Carriers
Trusted by families across 6 continents
Getting Covered Is Easier Than You Think
Three simple steps to protect your family and your financial future.
Income & Expense Analysis
We calculate exactly how much monthly income your family needs to maintain your lifestyle and meet financial obligations if you stop working.
Choose the Right Policy
We compare short-term and long-term disability policies across our carrier network to find the right benefit amount, elimination period, and coverage term.
Get Protected
Your policy activates after the elimination period (typically 30–90 days) and pays monthly benefits directly to you for as long as covered.
Trusted Carriers for Income Protection
Who Benefits Most From Income Protection
This solution is especially powerful for people in these situations.
Self-employed and freelancers
Business owners and professionals
Single-income families
Healthcare and skilled workers
Physical labor professionals
High-income earners protecting cash flow
Not sure if this applies to you? Call us at (877) 327-6941 for a free 15-minute consultation.
Frequently Asked Questions About Income Protection
Workers’ comp only covers injuries that happen at work. Income protection covers any disability — whether you’re injured at work, at home, or diagnosed with an illness — giving you much broader protection for your income.
The elimination period is a waiting period before your benefits begin — typically 30, 60, or 90 days after the disability starts. A longer elimination period means lower premiums. Most people use their emergency savings to cover this gap.
Own-occupation means you qualify for benefits if you can’t perform the duties of YOUR specific job, even if you could work in a different capacity. This is the gold standard and especially important for surgeons, pilots, and other specialized professionals.
Absolutely — in fact, self-employed individuals often need it most since they have no employer-provided safety net. We specialize in finding affordable, flexible income protection for freelancers, entrepreneurs, and business owners.
Still have questions?
Our licensed agents are standing by to answer anything — no sales pressure, just honest answers.
Ready to Get Covered?Let’s Build Your Plan.
Request your free, no-obligation Income Protectionquote. A licensed RWG agent will reach out within 24 hours to walk you through your options.
100% free — no commitment required
Available in 6 languages
Response within 24 hours guaranteed
Licensed professionals, no pushy sales
Prefer to talk now?
Call us directly
(877) 327-6941
Request Your Free Income Protection Quote
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