Who are the Best Prospects for Individual Disability Income?

The best prospects for individual disability income (DI) insurance are typically professionals, business owners, and high-income earners who rely on their ability to work and earn a living. The ideal candidates usually have the following characteristics:

1. Professionals with High-Income Potential

• Physicians (especially surgeons, anesthesiologists, and specialists)
• Dentists and orthodontists
• Attorneys
• Accountants and financial advisors
• Engineers and IT professionals

These individuals have invested heavily in their education and careers, making them more likely to protect their income.

2. Business Owners & Entrepreneurs

• Small business owners
• Contractors and self-employed individuals
• Partners in professional firms

Without employer-sponsored disability benefits, they must secure their own coverage to maintain financial stability.

3. High-Earning Employees Without Strong Employer Benefits

• Executives and corporate managers
• Commission-based professionals (real estate agents, sales reps)

Employer-provided disability insurance is often insufficient for high-income earners, making supplemental DI a valuable solution.

4. Skilled Trades & Specialty Workers

• Electricians, plumbers, mechanics
• Construction workers
• Pilots and airline professionals

These jobs carry a higher risk of injury, making disability coverage even more critical.

5. Young Professionals & Recent Graduates

• Individuals early in their careers can lock in lower rates
• Those with student loan debt need income protection to maintain financial obligations

What are the Most Common Causes in Individual Disability Claims?

The most common causes of individual disability claims are:

1. Musculoskeletal Disorders – Conditions like back pain, arthritis, joint disorders, and injuries to the spine, neck, or limbs are the leading causes of long-term disability claims.
2. Cancer – Various types of cancer can result in extended periods of disability due to treatments like chemotherapy, surgery, and radiation.
3. Mental Health Disorders – Depression, anxiety, PTSD, and other psychological conditions are major contributors to disability claims, especially in high-stress professions.
4. Cardiovascular Diseases – heart disease, stroke, and related conditions can cause long-term impairments, making it difficult for individuals to work.
5. Injuries and Accidents – Workplace injuries, car accidents, and falls can lead to temporary or permanent disabilities.
6. Neurological Disorders – Conditions like multiple sclerosis (MS), Parkinson’s disease, and epilepsy can significantly impact a person’s ability to perform daily tasks and work functions.
7. Chronic Illnesses – Diabetes, chronic fatigue syndrome, and autoimmune diseases like lupus can cause long-term disability due to unpredictable flare-ups and complications.

Why Partner with Source Brokerage?

Partnering with Source Brokerage, Inc. for individual disability insurance offers several advantages:

1. Expertise & Experience – With years of experience in the disability insurance market, they can guide you toward the best policy for your specific needs.
2. Access to Top Carriers – They work with multiple top-rated insurance providers, ensuring you get competitive rates and comprehensive coverage.
3. Customized Solutions – Whether you’re a professional, business owner, or high-income earner, they tailor policies to fit your occupation and income level.
4. Strong Industry Relationships – Their established connections with leading insurers mean smoother underwriting processes and better policy options.
5. Client-Centric Approach – They focus on educating and supporting clients throughout the insurance-buying process, ensuring clarity and confidence in their choices.
6. Broker Advantage – Unlike captive agents who represent a single insurer, Source Brokerage offers unbiased recommendations across multiple providers.

Would you like help finding specific policy details or quotes? Contact Steve Crowe at ext. 222 or request a quote.