Disability Insurance

Disability Insurance Overview

Your ability to earn a living is one of your most valuable assets. Take away your income and it’s amazing how quickly you can incur large debt just trying to cover your basic monthly expenses.

When you can’t work, disability insurance works for you. It provides you with replacement income if you are unable to work due to serious injury or illness.

Nearly 35% of women and 25% of men will suffer a disability that keeps them out of work for 90 days or longer at some point in their working years. The possibility that you’re one of those people is more than you can imagine. You won’t know when you’ll get sick. You never can tell whether you’ll sustain injury in the future or not. Even if you’re careful enough, others may not.

To discuss your options with an experienced agent, contact our offices in Beaverton, Grants Pass, Lake Oswego, or Medford!

Disability Overview

Common coverage types:


Non-cancellable: Locks in the premium rate and can’t be cancelled as long as you pay the premium


Guaranteed renewable: For short-term needs, this policy guarantees you can renew the policy with the same benefits, but the premium may increase

How much coverage do you need?

Use this calculator from LIFE to answer this complex question.
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Carriers We'll Quote

Assurity MetLife Mutual of Omaha Ohio National Financial Services Principal Standard

Disability Insurance Education

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Education Overview

When it comes to purchasing disability insurance, there is a lot you need to know.

First, you need a good understanding of existing sources of replacement income that you might be able to tap into. These may include, worker’s compensation, state disability insurance programs, social... More

Disability Insurance Information

From Insurance Lounge

Disability Insurance FAQs

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More About Purchasing Disability Insurance

When you can’t work, disability insurance works for you.

Protect yourself and your family against financial losses by having disability insurance in place. Disability insurance serves as an alternative source of income in case you suffer from a disabling illness or injury. When everything else goes wrong, it would be good to know you have something to look forward to. Insurance will provide a certain amount you can use to support yourself and family while you’re recovering from injury or illness.

Choosing a Coverage

Disability insurance is one of the most complicated types of insurance; buying it could be difficult for new customers. At Insurance Lounge, we know how to simplify the process. We source the best policies from reliable carriers and offer them in one place.

Our website is your premier source of information on the most convenient insurance packages offered online. Our interactive online shipping system enables you to choose among different packages and carriers. We discuss every type of coverage and provide specific answers to frequently asked questions.  Learn how much coverage you need by using our online insurance calculator.

Agents Who Are There for You: Beaverton, Grants Pass, Lake Oswego & Medford

Applying for disability insurance is easy with the help of our customer service representatives. Allow one of your knowledgeable agents to guide you through the application process. Our agents don’t work on commission – meaning their ultimate incentive is helping you. We also offer: