Disability Insurance Many people take out insurance policies for their homes and cars, but forget about their most important asset – the ability to work and earn a living. If you become ill or are injured and cannot work, disability insurance can help replace a portion of your income to help cover financial needs. Types of Disability Insurance Contact Types of Disability Insurance Individual Disability Income Insurance Employer-Provided Disability Income Insurance When you can’t work, disability insurance works for you! Permanent Life Insurance Permanent life insurance is lifetime coverage with a potential to build equity (cash value), and has more options for flexibility. Types of Permanent Life Insurance Whole Life Insurance - fixed premiums, guaranteed death benefit, and cash value growth. Universal Life Insurance - flexibility to change payments, premiums and death benefit options. Variable Universal Life Insurance - flexibility to change payments, premiums and death benefit; option to take investment risks in return for a possible higher cash value. Survivorship Life Insurance - provides a benefit to beneficiary after one person passes away.