Individual Disability Income Insurance

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.

Enrollment just got easier for you

You will be treated with the utmost professionalism and customer service to satisfy your every need because our goals are aligned with yours. Together we work to deliver the highest return on your benefits investment.

Duly registered and licensed Financial Professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of California, LLC in CA; Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Financial Professionals may solicit and transact business and/or respond to inquiries only in state(s) in which they are properly qualified. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit to review the firm's Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure. Dergalis Associates is not owned or operated by Equitable Advisors or Equitable Network. PPG-6470215.1 (03/24) (Exp. 03/28)