Your income is your biggest asset
Most working-age adults are more likely to become disabled than to die during their working years. Disability income insurance replaces a portion of your paycheck so your family's lifestyle continues.
1099 earners and business owners
If you're self-employed in Arizona - real estate, contracting, consulting, medical, or any 1099 role - you have no employer disability coverage. A private own-occupation policy can replace 60–70% of your income, tax-free.
Common questions
Doesn't my employer cover this?
Group LTD usually replaces only 40–60% of base pay, is taxable, excludes bonuses and commissions, and disappears if you change jobs. A private policy fills the gap and is portable.