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Individual Disability Income Insurance
Helping you protect your income

Disability Income Insurance pays benefits in the case that the policy-holder is incapable of working. As independent contractors, real estate agents need the income protection that this insurance offers.

Short-Term Disability vs. Long-Term Disability
There are essentially two types of disability insurance: Short-Term Disability and Long-Term Disability. Short-Term Disability insurance typically has shorter elimination periods, covers your disability for a shorter amount of time and is less expensive than Long-Term Disability insurance. While Long-Term disability has a longer elimination period and is typically more expensive than Short-Term Disability, your disability will be covered for a longer period of time.

Individual vs. Group Disability Income Insurance
Individual Disability Income Insurance can be customized to fit your financial needs. You can choose from multiple plans, optional features and riders that are available at an additional cost, higher benefit amounts and a longer benefit duration. You will have to go through an underwriting process.

Our Group Disability Income Insurance plans are not customizable, but the rates tend to be less expensive than an individual policy. As a new associate, our Group Disability Income Insurance plans are available Guaranteed-Issue, which means there is no underwriting process. After your New Associate Election Period has ended, you can still participate in the plans, but you will be required to submit evidence of insurability. Click here for our Group Disability Income Insurance plans.

Click here for a library of Disability Income Insurance Articles

Click here to request quotes or advice.

PPG-107655 (11/15) (exp.11/17)

Securities and investment advisory services offered through AXA Advisors, LLC (212-314-4600), member FINRA/SIPC. Annuity and insurance products offered through AXA Network, LLC and its insurance agency subsidiaries. AXA Network, LLC does business in California as AXA Network Insurance Agency of California, LLC and, in Utah, as AXA Network Insurance Agency of Utah, LLC. AXA Advisors and its affiliates do not provide tax or legal advice. Individuals may transact business and/or respond to inquiries only in state(s) in which they are properly registered and/or licensed. The information in this web site is not investment or securities advice and does not constitute an offer. Dergalis Associates is not a registered investment advisor and is not owned or operated by AXA Advisors or AXA Network. PPG-107655 (11/15) (exp.11/17)