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No one plans to get sick or injured, but life has a way of disrupting even the best-laid plans. While most people insure their homes, vehicles, and even vacations, few stop to consider what would happen if they could no longer earn a living. In fact, a significant portion of the working population remains dangerously underinsured when it comes to income protection. Disability insurance for individuals is one of the most overlooked yet critical components of a sound financial plan—and it’s time more people started paying attention.
The reality is that disability doesn’t always mean a catastrophic accident. It can also mean a back injury, a chronic illness, or a mental health issue that prevents you from working for weeks, months, or even years. According to the Social Security Administration, more than one in four 20-year-olds will become disabled before reaching retirement age. That’s a staggering statistic, yet few individuals have a strategy in place to replace lost income in the event of the unexpected.

The Financial Toll of Being Uninsured

If you’re like most Americans, your lifestyle is largely shaped by your income. Mortgage payments, car loans, childcare, groceries, and retirement savings all depend on your ability to work. But without disability insurance for individuals, an injury or illness can quickly derail your financial stability. Savings may not last as long as expected, especially when coupled with rising healthcare costs. For many families, it takes just a few months without a paycheck to fall into serious debt or begin liquidating long-term assets.

Employer-provided short-term disability benefits—when available—often only last a few weeks and may not cover more than 60% of your base salary. Worse, some individuals are self-employed or work in high-income fields where employer plans don’t reflect actual earnings. That’s where individually owned disability insurance becomes essential. It ensures you can meet your obligations, support your loved ones, and maintain your quality of life, even when your ability to work is compromised.

Customized Coverage for Long-Term Peace of Mind

Unlike other types of insurance, disability insurance for individuals is highly customizable. Policies can be designed to replace a specific percentage of your income, include provisions for partial disability, or add coverage for cost-of-living adjustments. If you’re a high-earner, a professional in a specialized field, or self-employed, custom coverage allows you to protect not only your income but also your financial goals.

Tooher-Ferraris Insurance Group works closely with clients to structure policies around their profession, earnings, and lifestyle. Whether you’re a physician concerned about losing the ability to perform surgeries, a business owner with key responsibilities, or a consultant who depends on client-facing work, we help ensure your policy truly reflects the risks you face. And because disability often leads to additional financial strain—such as needing caregiving support or assistive equipment—it pairs well with long-term care insurance planning as part of a holistic protection strategy.

Protect Your Earning Power Before It’s Too Late

Your ability to earn an income is one of your most valuable assets, yet too many people leave it unprotected until it’s too late. With rising healthcare costs, limited government support, and the real risk of prolonged absence from work, disability insurance for individuals is no longer optional, it’s essential.

At Tooher-Ferraris Insurance Group, we help individuals and families protect what matters most. From customized disability coverage to complementary services like life insurance coverage and long-term care insurance planning, we offer solutions tailored to your life, career, and future goals. Let’s make sure your income and your future is fully protected.

Reach out today to discuss how we can help you build a stronger financial safety net.

For high-net-worth (HNW) families, financial planning isn’t just about asset accumulation—it’s about protecting and transferring wealth in the most efficient way possible. While life insurance is often seen as a tool for income replacement, it plays a far more strategic role in the estate plans of affluent households. In fact, life insurance coverage has become a cornerstone for those looking to reduce estate taxes, avoid probate delays, and preserve wealth for future generations.

With the right structure and guidance, life insurance can be a tax-advantaged, flexible solution to complex succession challenges. Whether you’re focused on passing on a business, maintaining liquidity, or equalizing inheritances, understanding how to leverage life insurance as a financial instrument is essential for long-term legacy planning.

Life Insurance as a Tax-Efficient Asset

One of the most compelling reasons HNW families invest in life insurance coverage is its ability to deliver tax-free death benefits. Unlike many other assets subject to estate or capital gains taxes, life insurance proceeds typically bypass probate and go directly to beneficiaries without delay. This structure offers significant planning advantages, particularly when managing large estates or illiquid assets, such as real estate, business holdings, or private investments.

For example, a life insurance policy can provide immediate liquidity to cover estate taxes, preventing heirs from having to sell off valuable assets at a loss or under pressure. This ensures the preservation of family wealth across generations. It also allows you to make tax-efficient gifts to heirs or charitable organizations, aligning your legacy with your long-term values.

Equalizing Inheritances and Business Succession

In many affluent families, estate distribution can become a source of conflict, particularly when not all heirs are involved in the family business or when some assets are harder to divide fairly. Life insurance addresses this issue by providing a mechanism to equalize inheritances. Parents can leave business interests to one child and use life insurance proceeds to provide an equivalent value to others, eliminating disputes and preserving harmony.

Life insurance also plays a central role in business succession. A properly structured policy can fund buy-sell agreements, allowing surviving partners or heirs to purchase the decedent’s share of a business smoothly. In high-value partnerships or privately held corporations, this is often the difference between orderly succession and financial disruption.

Strategic Coverage for Future Uncertainties

While planning for wealth transfer, high-net-worth individuals must also plan for life’s unexpected turns. In addition to life insurance coverage, other forms of protection, like disability insurance for individuals and long-term care insurance planning, are critical to a well-rounded risk strategy. A sudden illness or accident can derail even the most carefully structured estate if financial safeguards aren’t in place.

Moreover, many HNW families travel frequently for business or leisure. International travel brings unique risks, from medical emergencies abroad to trip cancellations and evacuations, which makes travel insurance a smart complement to a broader insurance portfolio. When your lifestyle involves global mobility, tailored protection ensures your assets, plans, and health remain secure no matter where life takes you.

Build Your Legacy with Strategic Coverage

Estate planning is more than a legal process, it’s an emotional one, rooted in values, legacy, and the desire to protect what matters most. Life insurance coverage offers unmatched flexibility and certainty in transferring wealth, covering tax liabilities, and ensuring your loved ones are taken care of long after you’re gone. But to maximize its impact, it must be part of a thoughtful, integrated financial strategy.

At Tooher-Ferraris Insurance Group, we work with high-net-worth families to design comprehensive life insurance solutions that support both financial goals and personal values. From sophisticated estate planning strategies to tailored risk management tools, our advisors bring deep experience and clarity to every conversation. Whether you’re exploring advanced life insurance coverage, securing disability protection, or planning for long-term care, we help you safeguard your future with confidence.

Let’s talk about your legacy and how the right insurance structure can help protect and preserve it for generations to come. Reach out today for a personalized consultation.