Protect Your Most Valuable Asset - Your Income
Protects your income in the event of disability. If you or your spouse were injured, and unable to work, what would be your game plan? Disability insurance provides a monthly benefit to replace your income.
Replaces 50-70% of your income if you're unable to work due to injury or illness. Keeps your bills paid and family secure.
Continue paying mortgage, car payments, utilities, and other living expenses even when you can't work.
Choose short-term coverage for temporary disabilities or long-term for extended illnesses and injuries.
Coverage for back injuries, cancer, heart conditions, mental health issues, accidents, and more.
Get benefits even if you can work in another occupation. Protects your specific career and income level.
Most employer plans only cover 40-60% of income. Individual policies fill the gap for full protection.
A simple 4-step process to protect your income
Meet with Alek Mires to discuss your mortgage amount, family needs, and budget. We'll explain all your options.
We'll search through 30+ top carriers to find the best coverage at the best price for your specific situation.
Most policies require no medical exam. Complete a simple application and get approved quickly.
Once approved, your coverage begins. Your family's home is now protected no matter what happens.
Mortgage protection is specifically designed to pay off your mortgage, while term life insurance provides a lump sum that beneficiaries can use for any purpose. Mortgage protection decreases as your mortgage balance decreases, often making it more affordable.
It depends on your current coverage amount. If your existing life insurance would fully cover your mortgage plus other expenses, you may be adequately protected. However, many people find mortgage protection provides additional peace of mind specifically for their home.
Most mortgage protection policies are portable, meaning you can transfer them to a new mortgage. Some policies may require updates to coverage amounts. We'll help you navigate any changes to ensure continuous protection.
Yes! Many mortgage protection policies offer simplified underwriting with no medical exam required. Pre-existing conditions may affect rates, but we work with 30+ carriers to find options that work for your situation.
Typically, your coverage amount should match your outstanding mortgage balance. We'll review your specific situation including your mortgage amount, term remaining, and family needs to recommend the right coverage level.
Coverage typically begins once your application is approved and your first premium payment is processed. This can often happen within 48 hours of submitting your application.
No obligation. Get a personalized quote in minutes.
Schedule a free consultation with Alek Mires to discuss your disability insurance options