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Why Attorneys Need Income Protection
Your Income is Your Practice
As an attorney, your ability to work is your most valuable asset. A disability that sidelines you, even temporarily, can devastate your finances and leave your clients without representation.
No Employer Safety Net
Solo practitioners and partners often have zero group disability coverage. You need an individual policy built specifically around your income, specialty, and risk profile.
What We Offer
Customized income protection solutions built specifically for legal professionals.
Own Occupation Disability Insurance
The gold standard for attorneys. Pays full benefits if you can't perform the duties of your specific legal specialty, even if you could work in another capacity.
Individual Disability Insurance (IDI)
Portable, customizable coverage not tied to any employer. Designed around your specific income, specialty, and risk profile.
Business Overhead Expense (BOE)
Keeps your practice running — rent, staff, utilities — even when you can't be there.
Term Life Insurance
Affordable income replacement for your family and business partners if the unthinkable happens.
Laddered Life Insurance
We design staggered life insurance policies in order for Attorney's to maximize their overall net worth, while effectively reducing overall and long term cost.
Key Person Coverage
Protect your firm from the financial impact of losing a critical attorney or partner, in the event of a death or a disability.
Attorneys are Preferred Risks
Here's what that Means for You
Legal professionals are classified as top-tier occupational classes by most major insurance carriers. This means you qualify for:
Lower Premiums
Attorneys pay less for the same coverage compared to many other professions due to their favorable risk classification.
Better Policy Terms
Access to non-cancellable, guaranteed renewable policies, meaning your coverage and premiums are locked in for life.
Own Occ Definition
The most favorable disability definition available, protecting your specific legal specialty, not just your ability to work in general.
Top Carrier Access
We work with Ameritas, Guardian, MassMutual, Principal and Standard — the gold standard carriers for attorney disability coverage.