At Diversified Insurance Brokers, we work with individuals and families who want to safeguard their most important financial resource—the income that supports their entire lifestyle. Assurity Life Disability Insurance is designed for people who want reliable, affordable protection that steps in when an illness or injury prevents them from earning a paycheck. Whether you’re self-employed, rely on commissions or bonuses, or simply want coverage beyond what your employer offers, Assurity provides flexible solutions that fit a wide range of occupations and budgets.

Many workers assume their employer would continue paying them during a disability, yet this is rarely true. Even when group disability benefits are available, they are often taxable, capped, or insufficient to cover everyday expenses. That’s why private disability insurance is such an essential part of a comprehensive financial plan. It complements other long-term strategies you may already be considering, such as understanding how fixed indexed annuities work or preparing for the underwriting process with insights on life insurance exams.

Why Consider Assurity Life Disability Insurance?

Assurity has built a strong reputation for policies that are easy to tailor and straightforward to understand. For many households, the question is simple: if a disability prevented you from working for several months—or even longer—how would the mortgage, utilities, childcare bills, medical expenses, or groceries be paid? Assurity’s disability coverage is designed to replace a portion of your income so that a medical event does not become a financial crisis.

Clients often incorporate disability coverage into a broader protection strategy. For example, pairing disability insurance with programs such as long-term care insurance or guaranteed retirement-income tools like income annuities helps create a more resilient plan for both the short and long term.

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Assurity Disability Insurance Highlights

Assurity allows you to shape your coverage around your specific needs. You can choose a monthly benefit amount that fits your household budget and determine how long benefits continue, from short-term recovery windows to multi-year protection. You also have control over the elimination period—the time between becoming disabled and receiving payment—so policy costs can be aligned with the size of your emergency fund.

The policy includes strong disability definitions, including an own-occupation provision during the early stages of a claim. This means benefits may be payable when you cannot perform the duties of your current job, even if you could work in a different capacity. In many situations, benefits may continue during a return-to-work transition if your income remains reduced because of the disability.

For a deeper understanding of how these tools fit into long-term financial strategy, many people find value in exploring pages such as when to meet with a financial advisor or how to protect funds in retirement.

Understanding Key Policy Terms

Several core concepts determine how any disability policy functions. The elimination period dictates how soon payments begin after a disability occurs—longer waiting periods typically reduce premiums. The benefit period determines how long benefits last, and selecting the right duration depends on your income, savings, and long-term financial goals.

Assurity’s use of an own-occupation definition in the early benefit period provides added protection for skilled professionals whose ability to perform their specific role is essential to their earning power. The total disability definition focuses on your inability to perform the substantial and material duties of your occupation while you are under a doctor’s care.

Optional Riders to Enhance Your Coverage

Assurity offers optional riders that allow you to strengthen or customize your policy. A residual disability rider may help replace income if you can return to work part-time but still earn less due to medical limitations. For severe disabilities, a catastrophic disability rider may extend benefits. Some policyholders appreciate the return of premium option, which refunds part of what you’ve paid if the policy goes unused. Others add an automatic benefit increase rider that raises coverage over time without requiring new medical review.

Certain riders share similarities with income features found in other products, such as guaranteed lifetime withdrawal benefits, helping create additional layers of financial security.

Who Is a Good Fit for Assurity Disability Coverage?

Assurity’s disability insurance is well-suited for individuals who rely heavily on consistent cash flow—professionals, self-employed workers, contractors, and anyone supporting a household. It is especially valuable for those without employer-sponsored disability benefits or for families that would struggle to maintain their standard of living if their income were unexpectedly disrupted.

Those comparing broader financial strategies may also explore how disability coverage fits alongside life insurance strategies or how rollover funds are positioned with annuity transfers.

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How Much Disability Coverage Should You Buy?

Understanding your coverage needs begins with a clear view of your essential expenses—housing, transportation, groceries, childcare, medical premiums, debt obligations, and other recurring costs. Many individuals also factor in continued retirement contributions or future education expenses. A common guideline is to insure 50–70% of your current income, though the right amount depends on your financial obligations and existing savings.

Because disability income plays such a central role in long-term financial stability, many policyholders coordinate this protection with other planning tools, such as strategies for qualifying for long-term care insurance or learning how different annuity interest methods affect future growth.

Why Work With Diversified Insurance Brokers?

Our team works with more than 100 highly rated carriers and has extensive experience across disability, life, health, annuities, and long-term care. We help clients evaluate elimination periods, benefit durations, and optional riders so the policy aligns with their lifestyle and long-term goals. Whether you are self-employed, in a specialized profession, or simply want stronger security for your family, we provide clear comparisons and the ability to apply on your terms—online or with guidance from an experienced advisor.