Disability / Income Protection

Protect Your Income — Your Biggest Asset

Your paycheck funds everything. Disability insurance protects it if illness or injury keeps you from working.

Own-OccupationIncome ReplacementSelf-EmployedProfessionals

Is this right for you?

  • You rely on your income to pay the bills
  • You're self-employed with no safety net
  • You're a professional whose group plan caps out
  • You want coverage that's truly own-occupation
The Details

What you get

💼

Income Replacement

Replace a large share of your paycheck so your bills, mortgage, and lifestyle keep going.

⚖️

True Own-Occupation

Coverage that pays if you can't do YOUR job — critical for professionals and specialists.

🧠

Illness, Not Just Accidents

Most disabilities come from illness — back issues, cancer, heart. This covers what actually happens.

🏦

Portable & Tax-Free

A policy you own travels with you and pays tax-free — unlike most employer coverage.

🩺

For Professionals

Attorneys, doctors, and high earners: protect the income your group plan caps out on.

📋

Fill the Gaps

We review what you have through work and fill what's missing.

Why Lyons Life

Independent means it's built around you

We shop 30+ carriers to match you with the right protect option for your situation and budget — no pressure, no obligation.

Questions

Good to know

Don't I have this through work?+

Maybe partly — but employer coverage is often capped, taxable, and disappears if you leave. We make sure there are no gaps.

What's "own-occupation"?+

It means you're covered if you can't do your specific job — not just any job. It's the gold standard, especially for professionals.

How much does it cost?+

It depends on your income and occupation. We'll show you real options at different price points.

Get Started

Let's build your plan.

Tell us a little about you and a licensed Florida agent will reach out with real options — no cost, no obligation.

Get My Free Protection Plan →