Your Income is Your Superpower — Protect It

If you're working — whether it’s for a company, running your own business, or building a side hustle — your income is the engine that powers everything. Your rent, your groceries, your business expenses, your future dreams — they’re all made possible by your ability to earn.

But here's the hard truth: life happens. Accidents, illness, or even a mental health break can temporarily knock you off your feet. And while you're out of commission, those bills? They keep showing up.

That’s where Income Protection comes in — often referred to as Disability Income Insurance. But don't let the name fool you. This coverage isn’t about being “disabled.” It’s about protecting your paycheck when life throws you a curveball​.

What is Income Protection Insurance?

Income protection insurance is a financial safety net. If something prevents you from working — whether that’s an injury, illness, surgery, or recovery — it replaces a portion of your income until you’re back on your feet.

This coverage helps you:

• Pay your rent or mortgage

• Cover utilities, groceries, and household expenses

• Keep your business afloat if you're self-employed

• Stay focused on recovery instead of rushing back too soon

It’s not about age. It’s not about disability. It’s about protecting your hustle.

Who Needs Income Protection? (Hint: Almost Everyone)

Let’s break it down by role — because income protection is not one-size-fits-all.

🔹 Employed Professionals

If you work for a company and rely on a paycheck, you’re vulnerable if that paycheck stops. Yes, your job might offer some group coverage — but most employer-sponsored plans only cover 40–60% of your salary and don’t follow you if you switch jobs.

Adding your own Short-Term or Long-Term Disability coverage ensures your lifestyle isn’t put at risk by something you can’t control​.

Pair this with Life Insurance, and you're building a rock-solid safety net for your family and future.

🔹 Business Owners and Entrepreneurs

If you run your own business, you are the business. If you can’t work, revenue slows down — sometimes overnight. Income protection for entrepreneurs replaces your earnings while you recover, keeping your financial life from falling apart.

Even better, you can add Business Overhead Insurance to cover rent, payroll, and operating costs while you're temporarily out. That’s peace of mind, and then some.

Want more tailored protection? Explore our full suite of Business Insurance options​.

🔹 Self-Employed & Freelancers

Gig workers and independent contractors don’t get sick days or HR benefits. If you don’t work, you don’t get paid. Simple as that.

But income protection lets you build your own safety net, so even if you’re down for a while, your bank account doesn’t hit zero. For freelancers, this is one of the smartest financial moves you can make.

Why It Matters (Even If You’re Young and Healthy)

Let’s squash this myth: “I don’t need this — I’m young and healthy.”

The truth?

• 1 in 4 people will face a work-disrupting health condition before retirement.

• The average recovery time from surgery, a serious illness, or injury can be months — not weeks.

• Most Americans can’t cover 3 months of expenses without income.

Income protection doesn’t mean you expect bad things to happen. It means you’re prepared just in case they do.

Just like you’d insure your home, your car, or your business, your income deserves protection too​.

How It Works

It’s easier than you think.

• You choose a policy based on how much income you want to protect.

• If you can’t work due to illness, recovery, or other approved reasons, your plan replaces a portion of your income.

• You receive regular payments until you're well enough to return to work or your policy’s benefit period ends.

You can personalize coverage based on your profession, income level, expenses, and how long you can realistically go without a paycheck.

Need help comparing options? Visit our guide to Disability Coverage Types or Contact Us to speak with an agent today​.

Other Smart Add-Ons

For more complete protection, consider combining income protection with other essential coverages:

• Critical Illness Insurance – provides a lump sum if you're diagnosed with serious conditions like cancer or stroke

• Hospitalization Insurance – helps cover high hospital bills not included in your health plan

• Group Disability Income – ideal for small businesses or employers looking to protect their teams

Ready to Lock It In?

📞 Call us at 770-884-8117
🌐 Or visit OnePoint Insurance Agency – Income Protection to get started now

Protect your paycheck. Protect your life.