Disability Insurance
Disability insurance helps protect your clients’ income if they’re unable to work due to illness or injury. It’s a practical way to safeguard financial stability—and it’s often overlooked. The Stamm Agency helps you find strong, customizable coverage from leading carriers, so your clients can plan ahead with confidence.
Frequently Asked Questions
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What is disability insurance?
Disability insurance replaces a portion of income if the insured can’t work due to a covered medical condition. It can be short-term or long-term, depending on the policy.
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Who needs disability insurance?
Any working client who relies on their income—especially self-employed professionals or business owners—should consider disability coverage.
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How much income does a policy typically replace?
Most policies cover 50% to 70% of pre-disability income. Benefits may be capped depending on the carrier and occupation.
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What’s the difference between short-term and long-term disability insurance?
Short-term policies cover temporary injuries or illnesses and typically last 3–6 months. Long-term policies can provide benefits for years—or until retirement age.
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How can The Stamm Agency help with disability cases?
We work with top-rated carriers, help compare plan designs, and assist with custom quotes that align with your client’s income and occupation type.
Protect Income with Confidence
We help you position disability coverage as an essential part of a solid financial plan—without overcomplicating the sale.
