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!
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
Get a free consultation to explore the best life insurance and annuity options for you.
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.
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.
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Secure Your Financial Future Today
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