We Help Businesses & People Make Smarter Decisions When It Comes to Insurance
Denesha Insurance Agency

Protect Your Income with Disability Insurance

Life is full of uncertainties, and your ability to earn an income can be impacted by unexpected health issues. Disability insurance is your financial safeguard, providing you with a portion of your income if you become unable to work due to illness or injury.

How Does Disability Insurance Work?

Disability insurance policies are designed to provide you with tax-free income during periods when you’re unable to work. You can choose short-term or long-term coverage depending on your needs, occupation, and risk factors.

Types of Disability Insurance

Short-Term vs. Long-Term Coverage

Short-term policies typically cover you for a few months, while long-term policies can provide benefits until retirement age. We’ll help you navigate the differences and determine which coverage aligns with your career and lifestyle.

The Realities of Disability

Statistics and Facts

Did you know that 1 in 4 of today’s 20-year-olds will become disabled before they retire? Disability doesn’t just happen to ‘someone else.’ It’s a real risk that can have a profound impact on your life and finances.

The Cost of Disability Insurance

Investing in disability insurance is investing in your peace of mind. The cost varies based on various factors including your age, health, income, job risk, and the length of the policy. Let’s find a plan that fits your budget and your life. 

Customizing Your Disability Coverage

Tailored Protection for Your Unique Lifestyle We believe in personalized coverage. Our experts will work with you to determine the right type and amount of disability insurance, so you’re not over-insured or under-protected.

Don’t Wait to Get Life Insurance

Getting life insurance early on is a wise move, setting you up for the best possible rates. On average, life insurance costs can rise by 8% with each year you wait. But once you’ve signed your policy, your rate is fixed and won’t change for the duration of the policy’s term.

Apply Now: Choose the Way That Works for You

At Denesha’s Insurance Agency, we value your time and are dedicated to making the insurance application process as smooth as possible. Choose the option that suits you best and lock in your rate:

Apply Yourself: Quick and Easy

Feel confident and ready to take the next step? Use our straightforward online application to secure your coverage in just 5 minutes.

Let Us Help: Personalized Assistance

Prefer a guiding hand? I am here to facilitate the application process for you, ensuring everything is in order and answering any questions you may have along the way.

Do you have the new life insurance?

Most people don’t know that there is a new life insurance where you don’t have to die to receive benefits. I can facilitate this for you!

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