Own-occupation disability insurance pays benefits if you can’t perform the specific duties of your own profession, even if you could work in another field.
Certain true own-occ policies pay even while you earn full income in another occupation. This coverage matters most for high-income specialists such as physicians, surgeons, dentists, pilots, and executives. Positions where expertise commands premium income only in their specific field.
By contrast, any-occupation policies pay only if you can’t work at all. For specialists, own-occ protection preserves your earning power and lifestyle if a disability interrupts your career.
We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.
