Protect your family's lifestyle and achieve peace of mind when you work with a Disability Insurance Coach!

Welcome To Peace Of Mind

Welcome to Disability Disability Coach! Our specialty is disability insurance. We are an independent agency, and we work for YOU.  We do not work for the insurance companies!  We shop all the disability insurance companies to find you the carrier who will offer you the best value.

Our mission is incredibly simple, it’s to ensure you pay the lowest monthly premium, for the disability insurance policy that suits your specific needs.

Whether it’s short term disability insurance or long term disability insurance, we are the nations only team of licensed coaches that specialize in helping you understand all of your disability insurance options.

If you have been looking for a disability insurance policy, we’re happy you found us.

You do not need to have a company pay for your disability income protection plan, in fact, when a company provides disability insurance, those benefits are 100% taxable becuase you paid the premium with pre tax dollars.  When you purchase your own short term disability or long term disability insurance policy it is 100% tax free.

How important is it to protect yourself with some form of income protection?

Finances are the leading cause of stress in a relationship, according to a survey of people in a relationship or partnership… Some 35 percent of all respondents experiencing relationship stress said money was the primary cause of friction…”

Here’s a sobering statistic from The American Journal of Medicine – Medical problems contributed to 62% of all personal bankruptcies filed in the U.S.

Short Term and Long Term Disability Insurance.  

Commonly referred to as “Income Protection Insurance”, disability insurance policies were created to replace your paycheck when an unexpected accident or sickness happens to you or your spouse.

When your regular monthly income disappears, or is significantly reduced, disability insurance is your safety net.  The majority of all disability insurance requires no medical exam, and the underwriting is very liberal.  This is one of the main reasons that disability insurance is easier to qualify for than traditional life and health insurance policies.

The majority of the time you will need to have a medical exam when you are requesting more than $5000.00 of monthly benefit protection.

It all boils down to this…

You only have three options to choose from when the unexpected accident or illness happens, and your payroll deposit stops:

  1. You can deplete your savings and retirement accounts
  2. You call family to pay your bills for you
  3. You planned ahead and have a disability insurance policy in place that delivers monthly, tax-free cash to your bank
    account, until you are ready to go back to work

    Which planning option makes the most sense for you and your loved ones?

Disability Insurance Is There For You When “Life Happens”

Disability insurance is also commonly referred to as “income protection”, and that’s exactly what it is. You receive tax free cash, every single month that you are not able to work.  Whether it’s an accident or a sickness, they happen when we least expect it, and that’s what you’re insuring against…the unexpected.

Both short and long term disabilities have happened to 1 in 5 of us. Do you know anyone who has had an unexpected accident or sickness that prevented them from working?

When the unexpected happens, the smartest way to protect your savings and keep stress and anxiety out of you and your families life is with disability insurance.  Why gamble with your families future and happiness when you can achieve peace of mind for less than the cost of your daily cup of coffee…

What type of disability insurance is right for you?

Do I need short term disability insurance, long term disability insurance or both?

The answer is different for each situation:

  • I have employer that pays for short term disability but not long term disability
  • I have employer that pays long term disability protection
  • I want a larger benefit for a shorter period of time
  • I don’t want to pay any taxes on my disability benefits
  • I am willing to accept a smaller benefit for a longer benefit pay out period
  • I am on a budget and need something just to cover my mortgage payment
  • I have coverage on the job via workers comp, but what happen if I get hurt or sick
    outside of work?
  • I have a high risk job environment
  • I have diabetes
  • I have a low risk job environment
  • I have some health issues and don’t know what I qualify for

Which ever situation you are in, we have a coach ready to listen, ask questions and then make the top rated carriers compete for your business!

The good news is the most short term and long term disability insurance covers both accident and sickness.

Here are two key facts to consider:

  1. Approximately 37% of all people ages 35 to 67 will suffer a disability for at least 90 days, and about one in seven can expect to become disabled for five years or more.
  2. During the course of your working years, you are three to four times more likely to be injured and need disability coverage then you are to die and need life insurance.


Use the chart below to estimate what your earning potential is between now and age 65 or contact a coach to do it for you. Then consider all the big and little things your income provides over that time frame—from big expenses like housing, cars, and education to smaller things like electronics, groceries, and vacations.

Annual Income $50,000 $100,000 $150,000
At Age 25 – 67 $3,770,063 $7,540,126 $11,310,189
At Age 30 – 67 $3,023,104 $6,046,208 $9,069,312
At Age 35 -67 $2,378,771 $4,757,542 $7,136,312
At Age 40 -67 $1,822,963 $3,645,926 $5,468,890
At Age 45 -67 $1,343,519 $2,687,037 $4,030,556

And when a disability lasts a long time—as is the case with a chronic or recurring illness or permanent
physical injury, the financial loss it creates can significantly affect your family’s lifestyle and future security.


Now that you have read this far, I hope it’s becoming clear, disability income insurance (DI insurance) is one of the most important pieces of any financial strategy.

DI insurance can help replace lost income, maintain your retirement savings, and keep you from losing your home or families peace of mind.

But it’s about far more than that. It’s about making a small investment today to ensure that you and your family are taken care of when if the unexpected happens.

It’s about making sure that financial piece of mind is there when the unexpected illness or injury arrives.

48% of all home foreclosures are the result of disability, while only 3% of all foreclosures result from death.

It’s about insuring your most valuable assets — your family, savings and retirement assets.

You can minimize or eliminate the stress that happens during these unexpected times with short term disability insurance, and you can do it without taking any medical exams or having to meet with a insurance sales person.


You are visiting this website because you desire a plan that will replace your income when illness or injury happens.  With disability insurance, timing is extremely important.  Disability insurance prices are determined by three main factors – age, health and occupation.

If you happen to get hurt or sick before a policy is in place you will not be able to obtain coverage.

Fact: More than 87% of the folks that we coach are not forced to pay extra due to their occupation class!

Our head coach was the number one producing disability insurance agent for Mutual Of Omaha and is proud to be known as the go to disability insurance expert in the country.

Make no mistake about it, your health will change and you will be one day older tomorrow.  Do not put off the most cost effective way to protect your savings and families peace of mind,
contact us today and meet your personal Disability Insurance coach tomorrow!