Income protection in case I’m injured or disabled

We all want to ensure our ability to provide for ourselves and our loved ones, no matter what comes our way. Planning for the possibility of disability can help you protect your finances, and ensure financial security for you and your family even if you aren’t able to work.

While injuries, sickness and accidents come with no prior warning, it’s a good idea to safeguard part of your income and savings, just in case!
Learn How to Protect Your Income Against Injury or Disability
Products and Solutions to Help You Reach Your Goal
Life Insurance
Set up a backup plan that allows you to safeguard your financial future no matter what.
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Long-Term Care
Making the right choices today can help you retain your independence and lifestyle tomorrow.
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Disability Insurance
Protect part of your income and savings against illness/accidents that affect your ability to work.
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Calculate how much coverage you may need in case of injury/disability
How would a disability affect my finances?
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New-Age Retirement Planning
How can you earn an income and meet expenses after retirement?
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Rebuilding Life after a Debilitating Blow

Athlete Michael Sizemore was training to participate in his first marathon as well as making progress in his life’s mission of helping others at the age of 26, when a drunk driver hit him one night and brought both those dreams to an abrupt end.

With severe injuries, shattered legs and major head trauma, he was placed in an induced coma and operated upon, with numerous surgeries following over the course of the next 3 years. He is now able to walk, but returning to work has not been possible.

Michael attributes his ability to pay bills and retain assets to the employer-provided long-term disability insurance, which replaced part of his salary and allowed him to rebuild his life.

How will you manage your needs if you’re left unable to fend for yourself?

Life Insurance Options for High-Risk Jobholders
Does your job put your life and health at risk?
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Start planning your life today
Understand what you need to meet your financial goals with this quick and easy planner.
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51% of people are concerned about supporting themselves if injury or illness leaves them unable to work, but less than one-third carry disability insurance.

The True Cost of Life Insurance Policies
Life insurance provides your loved ones with much-needed funds in case you die, but some policies can also act as an emergency fund while you’re alive.

Contrary to what most people believe, life insurance is highly affordable. In fact, 80% of all Americans overestimate the cost of a policy.

  • Those under 25 overestimate the cost of life insurance by almost 4 times its true cost.
  • Those with no life insurance think it’s 3 times more expensive than it really is.
  • Even those with coverage think it costs twice of what it actually does!

Understand how to get the best value from a policy and request a complimentary review of your current plan here.

Understanding your unique needs for income protection is a huge part of selecting the correct type and amount of coverage. LifeCentra can help you set up a financial safety net to ensure that you remain independent and secure.

As your income, circumstances, goals and requirements change over the years, we will work with you to keep your financial plan on track.

Help me plan protection in case of an injury/disability

Still not sure what you need? Have question? Read our FAQs