Most living benefits plans cover disability and critical illness while also providing death benefits to protect you now and your family later.

When you think of your assets, you probably think of tangible things like your home, car and retirement account. But, what about your ability to earn a living? At the Adair Agency, we believe one of your biggest assets isn't anything you can touch or feel; it's your ability to work. If you're like a majority of Americans, it would be difficult, if not impossible, to continue meeting your monthly obligations if you were to become injured or ill and could no longer work. This is where living benefit policies come into help you protect your family while you are alive.

Disability income insurance is a type of insurance product designed to help replace a major portion of your income if you were unable to work because of an illness or injury. For this reason, many people think of it as “paycheck protection.” Along with life insurance, disability insurance can offer the protection you need to ensure your family doesn’t lose their home or other valuable assets if the unthinkable happens.