Disability Insurance

Disability Insurance pays you when you’re unable to work.

We’ve Got You Covered

(While You Recover)

Don’t let worrying about your paycheck stand between you and getting better.

Our Disability Income Insurance gives you the financial back-up you need if you become sick or injured.


We offer multiple ways to structure your policy to fit your needs and budget.


Your coverage is guaranteed until age 67, regardless of health.

Stay-At-Home Protection
Stay-At-Home Protection

We’re one of few companies that offer coverage for stay-at-home spouses and parents.


We’re backed by Thrivent Financial, an A++-rated company by A.M. Best, and offer support from non-commissioned financial professionals.*


How It Works

Once you’re enrolled in Disability Income Insurance, we pay you if you’re unable to work due to sickness or injury. The amount you receive and when depends on your policy.

Pick your payment

We offer $500 to $7,500 in coverage per month (up to 75% of your income). We recommend purchasing enough coverage to replace 50-75% of your income.

Choose your payout length

Receive monthly payments for 2 years, 5 years or up to age 67.

Choose a waiting period

Choose a 30-, 60-, 90- or 180-day waiting period—this is the window of time between when you become disabled and when you start receiving payments. We generally recommend 90 days as a good balance of cost and coverage.

Why the wait?

Our Disability Income Insurance is designed to cover you over the long term and supplement short-term policies provided by many employers. A typical short-term employer benefit generally lasts between three and six months.

*A medical exam is required for applicants ages 46-60 and all applicants who request $3,000 or more per month in coverage.

Big Protection at a Small Cost

This may come as a surprise, but Disability Income Insurance is relatively inexpensive compared to other types of protection.


1. brightpeak Disability Income Insurance - $ 12.71
2. Homeowners Insurance - $ 79.33
3. Auto Insurance - $ 109.25
4. Health Insurance - $ 235.27
  1. Rate based on 30-year-old male, office manager, $2,000 per month in coverage over two years, 90-day waiting period, no tobacco use. Monthly premium does not include any optional riders.
  2. 2013 national average, ValuePenguin
  3. 2014 national average, Insure.com
  4. Based on 2013 average monthly premium per person in the individual market, Kaiser Family Foundation
Meet Mike
  • 30 years old and in good health
  • Works as an office manager
  • Doesn’t use tobacco products
  • Needs $2,000 per month in coverage (60% of his monthly income) over two years.
  • Chose a 90-day waiting period


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Ready to Enroll?

Once you get your quote, our financial professionals can guide you through the application process right over the phone.

What Our Members Are Saying

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