Income Protection

Disability Insurance Protect Your Income

Your ability to earn an income is your most valuable asset. If an illness or injury stopped you from working, how long could you keep up with your bills? Disability insurance is the safety net most people forget — until they need it.

Financial Representative
Mutual of Omaha Advisors
10 Top Disability
Carriers Available
Bilingual
English & Spanish
Retired
Army Veteran

Short-Term & Long-Term Disability Coverage

According to industry data, 1 in 4 workers will experience a disability that keeps them out of work for 90 days or more at some point in their career. Yet disability insurance is one of the most overlooked components of a solid financial plan.

I work with individuals, self-employed professionals, and business owners to find the right level of income replacement. I have access to 10 of the top disability insurance carriers in the country, which means I can compare rates and features to find the best fit for your occupation, income, and health profile.

Note: Many disability cases involve medical underwriting. I'll walk you through the process transparently so you know exactly what to expect before you apply.

  • Short-Term Disability Insurance (STD)
  • Long-Term Disability Insurance (LTD)
  • Individual Disability Income (IDI) policies
  • Business Overhead Expense (BOE) coverage
  • Key Person Disability Insurance
  • High-limit / Supplemental disability for high earners
  • Own-Occupation disability definitions
  • Non-cancelable and guaranteed renewable policies
  • Coverage for self-employed and business owners
  • Multi-life discount programs for businesses

🏦 Top Disability Carriers

Access to the industry's most trusted disability insurance providers:

Ameritas · Assurity · Fidelity Security · IDU · Illinois Mutual · MassMutual · Petersen International · Principal · Reliance Standard · The Standard

📋 Request a Disability Quote

Get a personalized disability insurance quote. The form takes about 5 minutes and covers the key information needed to find your best options.

Start Quote Request

Ready to Get Started?

Schedule your free consultation with Adelmarie today — no pressure, just honest guidance.

📅 Book Free Consultation

Why Disability Insurance Belongs in Your Financial Plan

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Income Replacement

Replaces 60-70% of your income so you can focus on recovering, not surviving.

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Carrier Comparison

I compare across 10 top carriers to find you the best rate and definition.

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Bilingual Service

Full guidance in English and Spanish through every step of the process.

Ready to Take Control of Your Financial Future?

Let's create a plan that gives you clarity, confidence, and peace of mind.

Schedule Your Free Consultation