We work for you with an unbiased approach. Your needs come first, not the priorities pushed by large corporate insurance carriers
Money matters! That is why we customize the best plan for you after getting a holistic view of your finances. We carefully consider your financial responsibilities and what is at stake if your income is reduced or stops.
We make sure your plan best fits your overall financial goals and timelines, including your investment strategies, retirement planning, as well as the health and future of your business.
Which Scenario Would You Rather Be In?
Your Livelihood WITH Disability Insurance
Income while working:
Income while disabled:
Your Livelihood WITHOUT
Income while working:
Income while disabled:
Would you be able to provide for your family in the way you always have — covering mortgage payments, college tuition, family vacations, etc?
What luxuries would you be willing to sacrifice? Eating out, your beautiful home, or your children’s music or dance lessons?
Why put yourself in the position where you would be forced to choose if you can prevent this from happening through disability insurance?
Protect Your Family’s Lifestyle for Just a Fraction of Your Income
Disability insurance is the perfect solution for life’s unexpected twists and turns. A disability insurance policy protects up to 60% of your income if you lose it due to an injury or illness. For just a fraction of your income, you’ll get the financial security that your family has always depended on.
1 in 4 people becomes disabled during their working years.
13% experience a long-term disability that lasts more than five years.
Disability insurance isn’t just for occupations where accidents are more likely. Only 10% of long-term disability claims result from accidents.
90% are caused by illnesses including cancer, heart disease, and arthritis.
Mary, a mother of four, was an allied health professional. Three years ago out of the blue, she was completely incapacitated by Multiple Sclerosis. She could no longer work due to cognitive and reasoning difficulties. Thankfully, she was protected through her disability insurance. Here’s what she had to say:
“I’m so thankful that I checked yes for disability insurance. Thanks to private disability insurance, my family is not homeless or in poverty. Protect yourself. None of us are guaranteed anything in this life.”
Henry on the other hand regrets not signing up for disability insurance. Henry became disabled by Myalgic encephalomyelitis/chronic fatigue syndrome (ME/CFS) and unfortunately did not sign up for disability insurance. Here is what he had to say:
“As a disabled-by-ME/CFS person surveying the absolutely dismal government options, I can’t tell you how much I regret not getting disability insurance. People always think they’ll lose a leg or something and then heroically “adapt” and keep working, but cancer, long covid, and other serious illnesses can take you down much harder. There is no amount of adaptation that makes working regularly even close to possible for me. I was a healthy seeming young person until I wasn’t.”
Frequently Asked Questions
We recommend having enough coverage to maintain the quality of life you desire plus any outstanding debts.This is why Quiver holistically reviews your finances.We help you customize the best plan to make sure you still hit your financial goals.
Once you sign up for disability insurance,you'll pay a monthly premium that is determined by factors such as age and health. If you lose your ability to work due to an illness or injury, you'll receive a portion of your income.Before you can start receiving benefits,there is a waiting period,or elimination period.This refers to the amount of time you have to wait after becoming disabled until you can receive your first benefit payment.
Disability insurance is an insurance policy that protects your income in case you can no longer work due to a disability or illness.It can cover your income up to 60%.
You and your family can continue living a comfortable lifestyle.You'll be able to stay on track with your retirement and financial goals. Your business and employees can continue to thrive. You'll avoid falling into debt and putting your family in financial hardship.
Disability insurance pays up to 60%.For example,if your income was $100,000 while working,your income through disability insurance would be $60,000.
No,disability insurance ends when the claimant dies.That's why we also recommend having a life insurance policy.