LONG TERM LIFE INSURANCE
Shield Your Most Valuable Asset—Your Income!
Ensure financial stability with our Individual Disability Insurance, designed to protect your earnings in the event of an unexpected illness or injury. With this essential coverage, you can focus on recovery while we safeguard your income, giving you peace of mind during challenging times. Don’t leave your future to chance—secure your ability to earn today!
State Licensed
All 50 States
BBB Accredited
A+ Rating
20+ Years
Industry Experience
10,000+ Families
Protected & Served
Consider Individual Disability Insurance if you’re looking for:
Protection for your income during your career and key working years
Coverage that can supplement an employer-sponsored disability plan
Access to financial professionals who can offer personalized guidance
It pays to have income protection
Portable
No matter if you're self-employed or work for someone else, your coverage is always with you. Transitioning to a new job? Rest easy knowing your protection travels with you.
Customizable
Recognizing that everyone has unique needs, our individual disability insurance from New York Life offers tailored coverage designed to suit your specific circumstances and requirements.
Reliable Safety Net
Above all, it serves as a trustworthy solution to replace a portion of your income, helping you maintain your standard of living. Enjoy peace of mind knowing you’ll have support when you need it most.
Secure Your Financial Future Today
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Selecting the Right Income Protection for You
With MyIncome Protector, you won’t have to compromise with a “one size fits all” solution. We provide three distinct packages—Core, Pro, and Max—each offering unique riders like the Catastrophic Disability Rider and Partial Disability Benefit Rider. You can choose to add riders to enhance your coverage according to your individual needs. Plus, you have the option to collaborate with your financial advisor to create a personalized package just for you.
Core Package
This package offers a fundamental definition of disability, delivering the most economical coverage with a benefit period of either 10 years or until age 65.
Pro Package
For those seeking enhanced financial security, this package includes "own occupation" coverage for the entire benefit period or up to age 67.
Max Package
For the highest level of protection, this package delivers comprehensive coverage with "true own occupation" benefits and a benefit period extending to age 70.
Custom Package
Work with your financial advisor to design a personalized plan that meets your specific needs and circumstances.
Customize your coverage today
Connect with a financial professional to build an individual disability insurance package that works best for you.
Why Consider Personal Disability Insurance?
Even if you’re currently healthy, it’s essential to safeguard your entire working career. You can never predict what may happen—whether it’s tomorrow or further down the line.
Disability Happens More Often Than You Think
It’s easy to assume that by being cautious, you can avoid a disabling event. However, the truth is that most accidents are unpredictable and can happen anywhere: at work, during travel, or even at home. Moreover, studies indicate that many disabilities stem from illnesses—such as cancer, heart attacks, or diabetes—not just injuries.
Maintain Your Lifestyle
More than one in four individuals who are currently 20 can anticipate being unable to work for at least a year due to a disabling condition before reaching the standard retirement age. This is why individual disability insurance is crucial for protection. It can offer financial security and peace of mind, ensuring that your lifestyle remains uninterrupted, regardless of your industry.
For Small Business Owners
Your small business is the realization of your big dream. Safeguard everything you've worked hard to achieve by protecting your income—and in turn, protecting your business.
For Dual-Income Families
Family means everything. With two incomes supporting your household, it’s essential to protect your earning power—for both you and your loved ones.
For Those Supplementing an Employer Plan
Even if you have disability coverage through your employer, it may not cover your full income. Fill that gap with private disability insurance to ensure complete protection.
Why InsureSolve?
Here When You Need Us Most
At InsureSolve, we stand by our commitments. With top-tier financial ratings from the major agencies, we ensure that when it comes to safeguarding what matters most—your lifestyle and your future—you’ll have reliable coverage when you need it.
Dividend-Eligible
InsureSolve’s MyIncome Protector is one of the few individual disability insurance plans that offers the potential for dividends to its policyholders.
Personalized Guidance
Our financial professionals are here to help meet your unique needs. More importantly, they offer personalized, one-on-one support with adaptable strategies that grow with you as your life evolves.
Your Interests Come First
As a mutual insurance company, InsureSolve is fully dedicated to serving you—not outside investors. We prioritize the long-term interests of our policyholders above all else.
FAQs
Here are some common questions about insurance to help you make informed decisions.
What type of insurance should I get?
When should I buy insurance?
What does an insurance policy cover?
How much life insurance do I need?
What steps do I follow to get insurance?
If I have coverage from my employer, do I also need individual insurance?
Still have questions?
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