Inventory
Review employer coverage, individual policies, emergency reserves, and other potential income sources.
For professionals
Protect the income that powers your plan.
Your salary funds today’s obligations and tomorrow’s goals. A thoughtful protection strategy begins by understanding what would continue—and what would not—if your ability to work changed.
A practical framework
Start with the gap, not a product.
Stress test
Compare ongoing household and business obligations with income that may remain available.
Evaluate
If a gap exists, examine contract definitions and benefit design in light of budget and priorities.
For self-employed and 1099 earners
When you are the benefit department.
Independent work creates flexibility, but often without employer-paid disability coverage. Your review may also need to distinguish personal income needs from business overhead.
- Personal monthly obligations
- Business expenses and continuity needs
- Income documentation and variability
- Existing reserves and risk tolerance
Build a protection strategy around the way your income actually arrives.