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Disability & Critical illness
Safeguard your earnings in the event of injury or sickness.
Ensure your financial security with paycheck protection, allowing you to concentrate on your recuperation rather than worrying about your finances.
Our collaboration involves leading insurance carriers.
Obtain a policy that fits your needs and preferences.
Chat Live with an Agent
At Triumph Agency Group, we provide insurance policies for disability and critical illness sourced from the best life insurance companies. Explore your alternatives and don't hesitate to contact our reliable agents if you need assistance.
Schedule a Consultation
If you're looking to personalize your plan, a licensed agent can assist you. You can connect with them via phone or video conference.
What is disability insurance?
Paycheck Protection Insurance (PPI).
Disability insurance is an insurance policy that provides financial protection in the event that you are unable to work due to an illness or injury. It is commonly referred to as "paycheck protection" since it offers payouts over a period of time to replace lost income while you recover from a disability. This type of insurance can be crucial in protecting your financial stability during a difficult time and can provide peace of mind knowing that you are covered if you are unable to work due to a disability.
What is critical illness insurance?
Encompasses various health conditions.
A sort of life insurance that protects against serious medical issues is critical illness insurance. This coverage would offer a lump sum to cover medical expenses and family bills while you are being treated for a severe illness.
Keep an eye on your most precious asset: your income.
What happens to your income if you are injured on the job or are diagnosed with a serious illness?
Peace of Mind
If you are unable to work due to an injury or sickness, a disability or critical illness policy can provide financial security and peace of mind. CFG allows you to select the policy and terms that best suit your needs in a few simple steps. Our dependable agents are available to assist you as much as you require.
The Advantages of Disability & Critical Illness Insurance
Although their structures are similar, each type of policy offers distinct advantages. If your employment puts you at danger of accident or you don't have enough resources to withstand a period of income loss, disability insurance could be a good option for you. Applying for critical illness insurance while you're young and healthy is a good idea if you want to secure your income long-term in addition to any health insurance you have.
Disability Insurance
Portable
Bring it with you if you move jobs.
Customizable
Add riders that allow your coverage to rise in line with your earnings.
Accessible
When compared to a Social Security payment, this payout makes it easier to obtain funds.
Critical Illness Insurance
Extensive Coverage
Secure coverage at a reasonable cost
Portable
Take it with you when you move jobs or retire.
Customizable
Get the coverage quantity you choose.
Professional Support
To assist you in making the best decision for your family
Discuss Your Options
Consult with an insurance representative to determine the best plan for you.
Need to talk it through?
Chat with us whenever it is convenient for you.
The Triumph Agency Group Difference
We Shop for You
We work with more than 80 insurance companies to ensure you get the greatest coverage at the best price. It's our pledge to you.
We Keep It Simple
Insurance can appear confusing, but we don't believe it has to be. Our goal is to make things as simple and straightforward as possible.
We’re Here for You
Our insurance professionals can assist you in determining which policies are ideal for you if you want to understand more about your insurance options.
FAQs
What is the distinction between disability insurance and critical illness insurance?
Aside from the various medical issues they cover, these two types of insurance differ in terms of compensation. Disability insurance pays out in installments, covering your wages for the duration of your disability or illness. If you are diagnosed with one of the illnesses listed in the policy terms, critical illness insurance will pay you a lump amount.
Can I get coverage if I've been diagnosed with a serious illness?
Unfortunately, if you have previously been diagnosed with a severe condition or have had a significant health incident, you will most likely be ineligible for a policy that includes provisions relating to your diagnosis. If you have previously recovered from a severe illness, you may be eligible for coverage with some companies. It's always a good idea to talk with a Triumph Agency Group insurance agent about your possibilities.
When should I consider purchasing disability or critical illness insurance?
Nobody knows when they will die or when their health state will deteriorate. It makes sense to apply for coverage today in order to get the best pricing.
Do I qualify for disability insurance?
Each insurance company has its own set of standards, although most healthy people are eligible for this sort of coverage. If you decide to buy disability insurance, the provider you choose will specify what constitutes "disability" and whether there are any exclusions to qualify.
Is critical illness insurance available to me?
Many insurance companies provide simplified underwriting for critical illness insurance, which means you won't have to take a medical test to qualify. To qualify for higher-value insurance, you will most likely need to consult a doctor for a medical assessment.
How much protection do I require?
Everyone has various insurance requirements. Contact one of CFG's insurance agents to help you assess how much coverage is appropriate for you and your budget.
Featured Articles
Three Reasons to Buy Critical Illness Insurance
Even if you are young and healthy today, critical illness insurance can give financial security if you are diagnosed with a medical condition later in life.
10 Causes of Disability [and How Disability Insurance Can Help]
If you are injured or suffer from a short or long-term disability covered by your policy, disability insurance can restore your lost income.
Will I Be Able to Obtain Life Insurance if I Have a Critical Illness?
In most circumstances, you must obtain coverage before receiving a diagnosis. It's important to buy insurance when you're young and healthy to get the greatest rates.
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