Your ability to earn an income is your most valuable financial asset. Most people insure their car, their home, and their health — but not the income that pays for all of it.
Source: Council for Disability Awareness
Most people have car insurance, health insurance, and homeowner's insurance. But very few have the one coverage that protects everything else: their income.
"Your paycheck funds your mortgage, your retirement contributions, your family's lifestyle. Protecting it isn't optional — it's the foundation."
Income protection isn't pessimistic thinking. It's the same logic behind any other insurance — you hope you never need it, but you're profoundly grateful you have it when life doesn't go as planned.
A serious diagnosis or accident sidelines you for months. Your bills don't pause — but your paycheck might.
Depression, anxiety, and burnout are among the most common causes of long-term disability claims — yet the least anticipated.
Years out of the workforce means years without contributions. A disability at 45 can erase decades of retirement planning.
When your income stops, your family absorbs the shock. Mortgages, childcare, and daily expenses don't disappear.
A complete income protection strategy isn't one product — it's a layered plan that covers different risks across different time horizons.
Covers income loss from illness, injury, or recovery for typically 3–6 months. This is the bridge between your savings and long-term coverage — and the gap most people underestimate.
Replaces 60–70% of your income if you're unable to work for an extended period — often until age 65. This is the core of any serious income protection strategy.
For business owners: if you can't work, who keeps the lights on? These specialized policies protect your business's expenses and value — not just your personal income.
Here's how we build and implement your income protection plan — from first conversation to coverage in place.
We start by looking at what you already have — employer benefits, any existing policies, and your savings runway — so we know exactly where the gaps are.
How long could you survive on savings? What's your actual monthly need? We run the real numbers so your plan is sized correctly, not guessed at.
We build a layered plan using carriers and products from the Guardian Network — matched to your income, occupation, and budget — and explain every option clearly.
We handle the application, underwriting, and delivery. You walk away knowing that if something happens, your income — and everything it supports — is protected.
Income protection matters to everyone who depends on a paycheck — regardless of profession, income level, or age.
CalSTRS and CalPERS provide some income protection — but do you know exactly what you'd receive and for how long? We fill in the gaps your pension doesn't cover.
Doctors, lawyers, consultants, and executives often have significant income to protect — and the most to lose if it stops unexpectedly.
Your hands, back, and body are your business. A physical disability isn't hypothetical — it's an occupational reality that deserves serious protection.
You don't just protect your personal income — you protect the business itself. Key person and overhead coverage keeps your enterprise intact when you can't be there.
Through Pacific Advisors and the Guardian Network, I offer disability and income protection products from one of the most financially sound companies in America — rated A++ by AM Best.
In 15 minutes, we'll look at your current coverage, identify any gaps, and map out what it would take to protect your income — and everything that depends on it.