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Your ability to earn an income is one of your most valuable assets. Individual disability insurance from XOLO Insurance helps provide financial protection if an illness or injury prevents you from working, so you can continue supporting yourself, your family, and your future goals.
Disability insurance helps protect your financial stability during your most important working years.
If you experience a qualifying illness or injury, disability insurance can provide monthly benefits to help replace lost income while you recover.
Your policy remains yours regardless of career changes, employer transitions, or self-employment status.
Policies can be customized based on your income, occupation, lifestyle, and long-term financial needs.
Disability insurance helps you continue working toward retirement savings, family goals, and financial responsibilities even during unexpected life events.
IncomeGuard Protection is XOLO Insurance’s individual disability insurance solution designed to help protect your earning power and long-term financial security.
By providing monthly income benefits during periods of disability, IncomeGuard Protection helps you maintain financial stability while focusing on recovery.
Whether you’re employed, self-employed, or transitioning careers, your protection remains active and portable.
Choose coverage options tailored to your profession, income level, financial obligations, and future plans.
Monthly disability benefits can help support your household expenses and everyday living costs during periods when you’re unable to work.
Businesses and professional groups may qualify for discounted rates through multi-life disability insurance programs.
Unexpected illnesses and injuries are more common than many people realize. Disability insurance helps prepare for financial interruptions that could otherwise impact long-term goals and family stability.
Coverage may help protect against income loss caused by:
Disability insurance can be valuable for a wide range of individuals and households.
Protect your personal income while helping maintain financial stability for the business you’ve worked hard to build.
When multiple incomes support a family’s financial responsibilities, protecting both earning abilities becomes even more important.
Employer-sponsored disability benefits may not fully replace your income. Individual coverage can help bridge the gap.
Freelancers, consultants, entrepreneurs, and independent professionals can secure personal income protection independent of employer benefits.
Individual disability insurance provides monthly income benefits if you become unable to work due to a qualifying illness or injury.
Employer-sponsored disability coverage is often limited and may not fully replace your income. Individual policies provide portable, customizable protection that belongs to you personally.
Benefit periods vary based on the policy selected and may range from a few years to coverage lasting until retirement age.
Yes. Disability insurance is often especially important for self-employed professionals who do not receive employer-sponsored benefits.
Coverage needs depend on your income, financial obligations, household expenses, and long-term goals.
Premiums may vary based on factors such as age, occupation, health history, income level, benefit amount, and policy structure.
Xolo Insurance
447 Broadway, 2nd Floor
New York, NY 10013
United States