What happens when an injury or illness prevents you from doing your job? In this episode, we dive into the history and mechanics of Disability Insurance (DI), also known as income protection. We trace the industry's origins back to 1848 in England, where the Railway Passengers Assurance Company began offering "accident insurance" to cover the rising fatalities and injuries on the early railway system.

Join us as we break down the different layers of protection available today:

• Individual & High-Limit Coverage: How premiums are determined for the self-employed and how high-limit policies help high earners maintain 65% of their income.

• Business Solutions: A look at Business Overhead Expense (BOE) insurance, which covers essential costs like rent and employee salaries if a business owner be ...