Disability Insurance

What would happen if someone were suddenly unable to work? If the unexpected occurs and they are too sick or injured to work, would their savings or the current disability benefits they receive through their employer be enough to:

  • Pay their bills?
  • Make their monthly mortgage or rent payments?
  • Buy groceries?
  • Make their car and debt payments?
  • Provide for their children’s education?

Disability income insurance helps to protect a portion of someone’s income and protects them financially should they become disabled for an extended period of time. If a family relies on your client’s income to pay for living expenses, then disability insurance is something that should considered.

Key Features of Disability Insurance

  • Protects a portion of current income to help maintain a lifestyle.
  • Compliments employer-sponsored disability coverage.
  • Benefits might be tax free (please consult a tax advisor or accountant).
  • Multiple options exist for various income levels.

Contact us today to learn more about disability insurance options for you and your family.


Securities and advisory services offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency), member FINRA/SIPC. Cetera is under separate ownership from any other named entity. Investment advisory services may also be offered through HBW Advisory Services LLC. HBW Insurance & Financial Services, Inc. dba HBW Partners and HBW Advisory Services LLC are separate entities which do not offer legal or tax advice.

This site is published for residents of the United States only. Financial professionals of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every financial professional listed. For additional information please contact the financial professional(s) listed on the site, visit the Cetera Advisor Networks LLC site at www.CeteraAdvisorNetworks.com.

Individuals affiliated with Cetera firms are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services.

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