Disability Insurance Disability coverage offers insurance on your income should something happen to you during your working years. Often misunderstood is the difference between coverage purchased through an employer and individual coverage. Our advisors will work with you to better understand any coverage that you may have, along with the tax implications of the coverage and how that fits into your financial plan. We can help provide personal and Group Policy's depending on your needs. As an independent financial services firm, we work with many insurance providers to offer coverage suited to your specific needs.