Individual Disability Income

Don't be blown away by an illness, or injury.

Protect Yourself From The Winds of Risk

Maybe you have health insurance that will pay your medical costs arising from an accident or illness, but what if you're not able to work? How long can you afford to go without an income? How will you replace your income? These are vital questions to ask yourself, and they deserve serious consideration. Your monthly expenses don't stop, just because you do.


Your most important asset is your ability to earn an income. We suggest you protect it.


It's your choice. Which one works for you?


  • Short-Term Accident Only
  • Short-Term Accident and Sickness
  • Long-Term Accident and Sickness

How much coverage will you need? (Monthly Benefit)

How long would you be able to manage your expenses before benefits kick in? (Elimination Period)

How long do you want coverage? (Benefit Period)



For a detailed analysis of all your "Individual Disability Income" needs, please contact our specialists today for a non-binding consultation.


Contact us by phone, or use our online Contact Form.

Spirit Financial Concepts

Client Reviews

We also consult on the following types of coverage:

  • Life Insurance - Whether you're an individual, a business owner, or interested in estate planning, we have consultants with expertise all aspects of life insurance.
  • Medicare Supplement Coverage - Did you know that even though you have Medicare Part A and Part B, you are still responsible for annual deductibles and 20% co-insurance on most of your medical care? This is where a Medicare Supplement comes in. Let us simply the Medicare process for you!
  • Cancer & Critical Illness Insurance - Lump sum benefits paid upon first diagnosis of a critical illness. In the midst of a critical illness diagnosis, you will most likely suffer the loss of income, travel expenses connected to out-of-town specialists, and home health care. Protect yourself!
  • Dental Plans - No networks. No waiting periods. Starting at $15.50 per month.

Spirit Financial Concepts is a member of the

National Association of Health Underwriters.



Client Services

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Spirit Financial Concepts is here to serve you in all your insurance needs!

(918) 236-4470

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