If you are like most people, your ability to earn an income is the most valuable asset--you--own. Have you protected that asset? Without your income, could you afford to pay your bills and provide for your family? Could you fund children's education and your retirement? For how long? Disability income insurance provides the most critical layer of security to your financial future. And all too often it is overlooked. Why? One reason is that it is something that most of us would not like to think about. Also, it is common to overestimate the benefits available either through an employer or social security.

      •  For individuals under the age of 65, you are 4 times more likely to become disabled than to die
      •  Approximately 1 out of 7 people between the ages of 35-65 can expect to become disabled
      •  48% of all home foreclosures are brought upon by disability
      •  52% of bankruptcies are brought upon by illnesses or the inability to pay medical bills

There are many types of disability policies: Guaranteed renewable or non-cancelable. Own occupation or any occupation. Choosing the right policy requires sound advice. Balanced Insurance Group is here to help. We get to know you and your income needs. We help you sort through your disability insurance options so you can make the right choices.

Because everyone has different needs, no single design of a disability policy is right for everyone. Some people may need to protect their entire income, while others may only need to protect a portion. Some people may need coverage to age 70, while other people may need a shorter benefit period.

Working with Balanced Insurance Group, getting disability insurance is easy. We help you understand your various options. We are partnered with the leading disability insurance underwriters. Each underwriter grades each occupation a little bit differently. Because Balanced Insurance Group is independent, we will find you the most competitively priced disability policy based upon your age, health and occupation.