How is this different from life insurance?

Life insurance pays out if you die. Income protection pays out while you're alive but unable to work — a much more statistically likely event during your working years.

Does my employer's disability coverage already cover this?

Often only partially. Many group plans cap benefits well below your actual income and may not be portable if you change jobs. We'll check what you actually have before recommending anything new.

I'm self-employed — can I still get income protection?

Yes, and it's often even more important, since you likely don't have an employer safety net at all.

Protecting Against The Unexpected

Income Protection

Income protection insurance replaces a portion of your paycheck if you become sick or injured and can't work. Where life insurance protects your family if you pass away, income protection protects them if you're still here but unable to earn — a risk that's statistically far more likely during your working years.

Protect Your Income (209) 303-5829

Who It's For

♞Households that depend on one or two active incomes to cover expenses
♞Self-employed people and business owners without employer-provided disability coverage
♞Anyone with limited savings to cover an extended time out of work
♞Physically demanding professions with higher injury risk

Why It Matters

The knight moves unpredictably — it jumps over obstacles others can't. Income protection is built for exactly that kind of risk: the sudden illness or injury that no one plans for, but that can derail a family's finances faster than almost anything else.

The Benefits

Replaces Lost Income

Receive a portion of your regular paycheck while you're unable to work.

Covers Illness & Injury

Protection extends beyond accidents to cover serious illness that keeps you out of work.

Flexible Benefit Periods

Choose coverage that pays out for a defined period or through retirement age.

Fills The Gap Employer Plans Miss

Many workplace disability plans cap out well below what you actually need.

Questions