Health Coverage Portfolio
Disability Income Protection
Protect your greatest financial asset — your ability to earn an income — with monthly tax-free paycheck replacement if disabled.
Regulated Rates from $35/mo
Advisor: Elena Rostova
Zero Brokerage Markups
Guaranteed Rate Lock
Starting at $35/mo
Call Now to Speak with A Counselor: 1 (856) 580-0801
Structured Plan Tier Comparison
Compare coverage targets, underwriting provisions, and living benefits available for Disability Income Protection.
| Plan Level | Coverage Target | Living Benefits | Action |
|---|---|---|---|
| Short-Term Income Guard (6 Months) | 60% Monthly Gross Earnings ($3,000/mo) | 30-Day Elimination Period | |
| Long-Term Own-Occupation (2–5 Years) | 65% Monthly Paycheck ($6,000/mo) | COLA Inflation Guard + Rehab Benefit | |
| Career Lifetime Security (To Age 67) | 70% Maximum Tax-Free Paycheck ($12,000+/mo) | True Own-Occ + Future Increase Option |
Core Coverage Benefits & Protections
Replaces 60% to 70% of your pre-tax gross monthly income tax-free
True Own-Occupation definitions available for specialized medical and professional careers
Short-term (3 to 12 months) and Long-term (up to age 65 or 67) benefit periods
Non-cancelable and guaranteed renewable policy terms
Available Policy Riders & Living Add-Ons
Future Purchase Option Rider
Cost of Living Adjustment (COLA)
Catastrophic Disability Benefit
Instant Rate Estimator
Calculate benchmark regulated rates for your age and zip code.
ER
Assigned Counselor
Elena Rostova
Living Benefits & Disability Specialist
“Passionate about protecting family incomes against critical illness, involuntary disability, and medical emergencies.”
Direct Helpline: 1 (856) 580-0801