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Individual Disability Insurance

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Individual disability insurance is an excellent way to help protect your income and financial standing if you suffer a disabling injury or illness. If you need more protection for your paycheck, contact our agent at IFS Group in Sugarland, Texas, to talk about individual disability insurance.

Why Buy Individual Disability Insurance?

When you stop to think about it, your paycheck is what makes the lifestyle you have possible. Sometimes the unexpected happens. If you were unable to work because of an illness or injury, how would you pay your mortgage, utilities, car payment, credit cards, and countless other expenses? How long could you get by without a paycheck?

Unexpected medical problems, accidents, and injuries can get in the way of earning an income. Individual disability insurance can help you protect what matters most and pay your expenses if you are unable to work because of an illness or injury.

Disability insurance is designed to cover more than catastrophic accidents that result in injuries. Illnesses such as cancer and multiple sclerosis can also have a dramatic impact on your ability to work and support your family. In fact, the vast majority of disabilities are the result of an illness or health condition.

Disability Insurance Costs

The price of disability insurance will vary per individual. Pre-existing health conditions can increase the cost of this insurance, and may not be covered for the first year of the policy. Factors that affect premiums include:

  • Current salary
  • Age
  • Smoking status
  • Health conditions

Our agent at IFS Group can help you shop for the best available rates on an individual disability insurance policy to protect your income and your way of life.

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Insurance products are offered through the following insurers: biBerk; The Wright Insurance Group, LLC (St. Petersburg, FL); Westchester (Alpharetta, GA); UnitedHealthcare (Hartford, CT); United States Liability Insurance (Wayne, PA); Twico; The Travelers Indemnity Company (Hartford, CT); Transamerica Life Insurance (Cedar Rapids, IA); Tower Hill Insurance (Gainesville, FL); The Standard; The Hartford Insurance Group, Inc. (Hartford, CT); The Guardian Life Insurance Co. (New York, NY); Texas Windstorm Insurance (Austin, TX); Texas Fair Plan (Austin, TX); Tapco (Burlington, NM); AIG - American International Group (Chicago, IL); Aegis General Insurance Agency (Harrisburg, PA); Aetna (Hartford, CT); Allianz Life Insurance Company of North America (Minneapolis, MN); American General Life Companies (Wilmington, DE); American Risk Insurance (Houston, TX); Ameritas (New York, NY); Amwins (Charlotte, NC); Appalachian Underwriters (Oak Ridge, TN); Attune Insurance; Bass Underwriters (Plantation, FL); Baylor Scott & White Health Plan (Temple, TX); BenefitMall; Annex Risk (San Francisco, CA); Blue Cross Blue Shield (Chicago, IL); Brighthouse Financial; Burns & Wilcox (Charlotte, NC); CNA (Chicago, IL); CRC Group; Chubb Group (Philadelphia, PA); Cigna (Bloomfield, CT); Coalition; Community Health Choice (Houston, TX); Corebridge Financial Inc.; Coterie; Cover Whale (New York, NY); Dairyland (Stevens Point, WI); Elephant Insurance (Henrico, VA); Friday Health Plans (Alamosa, CO); Gainsco Auto Insurance (Dallas, TX); Great American Insurance Company (Cincinnati, OH); Great Lakes Mutual Insurance (Calumet, MI); HISCOX (Chesapeake, VA); The Hanover Insurance Group, Inc. (Worcester, MA); Humana, Inc. (Louisville, KY); ICAT (Broomfield, CO); Jackson National Life (Lansing, MI); Jewelers Mutual Insurance Company (Neenah, WI); John Hancock (Portsmouth, NH); Kaiser Permanente (Oakland, CA); Kinsale Insurance; Kelly Klee Insurance (Aspen, CO); Lamar General Agency; LegalShield (Ada, OK); Lincoln Financial Group (Radnor, PA); MUSIC (Scottsdale, AZ); Markel (Glen Allen, VA); MassMutual Financial Group (Springfield, MA); Memorial Hermann; Metropolitan Life Insurance Company (New York, NY); Mutual of Omaha (Omaha, NE); National Life Group (Montpelier, VT); Nautilus Insurance (Scottsdale, AZ); Neptune Flood Insurance (Pinellas Park, FL); ERGO NEXT (Palo Alto, CA); PIE Insurance (Washington, DC); Pacific Life Insurance (Newport Beach, CA); Pathpoint Inc. (Washington, DC); PennMutual (Philadelphia, PA); Pouch; Principal Financial Group (Des Moines, IA); Protective Life Corporation (Birmingham, AL); Prudential (Newark, NJ); Qubie; REInsurePro (Kansas City, MO); RLI (Peoria, IL); Risk Placement Services (Rolling Meadows, IL); RT Specialty (Chicago, IL); Ryan Speciality (Chicago, IL); SES-Insurance; Scottsdale Insurance (Scottsdale, AZ); SevenCorners (Carmel, IN); Steadily (Beaverton, OR); Swyfft (Morristown, NJ); Symetra Life Insurance (Seattle, WA); Texas Mutual (Austin, TX); Thimble; Three; Tokio Marine Management (Cincinnati, OH); U.S. Risk; USLI (Wayne, PA); Vault; Zurich American Insurance Company (Schaumburg, IL); The Progressive Corporation (Mayfield Village, OH); and other unaffiliated insurers.

Insurance services are provided by an independent insurance agency. IFS Group and its producers are licensed in the states where services are offered. License numbers are available upon request. Availability, eligibility, and coverages may vary by state. Not all products are available in all states.