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Phone: (808) 536-1933

Disability insurance

WHAT IS DISABILITY
INSURANCE?

Disability Insurance protects your most valuable asset:  Your income.

If you suddenly suffered a disability that left you unable to work for several months or more, would you have enough savings on hand to continue to pay your bills?  

This is a question we should all have an answer to.  The reality is that 1 out of every 4 working people in the United States will suffer a disability at one point or another that keeps them out of work for 3 months or more.  Disability insurance was designed to help people stay afloat financially should something happen to them that prevents them from earning their regular paycheck.  It is a life preserver when you need it most. 

1 out of every 4 workers will experience wage loss due to disability at some point in their career.
1 out of every 4 workers will experience wage loss due to disability at some point in their career.

Disability Insurance is also known as Disability Income insurance.  In the event that you become disabled and cannot receive your normal income, a disability policy will replace a percentage of your income that will pay you while you get back on your feet.  That means you would still be able to:

  • Pay your mortgage
  • Support your family
  • Pay your bills

Steps to disability insurance

Step1

Determine How Much Coverage You Need

Use this calculator to approximate how much disability insurance coverage you need based on your income.  Disability insurance can protect up to 70% of your income.

Step2

Determine the Duration

How long would you like disability insurance coverage for?
Disability policies can be for both short and long-term disabilities spanning from as little as 3 months to many years, even up to your retirement from the workforce.

Step3

Compare and Apply

We’ll send you a list of solutions and find the best fit for you.
We have been proudly serving the families of Hawaii for nearly 90 years.  We look forward to helping you find the disability policy that will protect your income and your family.

FAQ

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