Disability Insurance Solutions Designed for You

At The Bloch Agency, we believe that your income is your greatest asset—and protecting it should be simple, flexible, and tailored to your life. That’s why we offer a full suite of disability insurance solutions, built for individuals, business owners, and professionals who want financial security in the face of the unexpected.

Unlike other providers, we’ve taken disability insurance a step further. We’re not just offering the same contracts as everyone else—we’ve developed our own exclusive disability insurance product, ensuring you get coverage you won’t find anywhere else.

Individual Disability Insurance

Your income is your most valuable asset. Our disability insurance replaces a portion of your earnings if an illness or injury prevents you from working—ensuring financial stability when you need it most.

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Covers long-term disabilities

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Tax-free benefits available

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Personalized coverage options

Business Overhead Expense Insurance

If you're a business owner, a disability doesn’t just impact you—it affects your entire company. This policy reimburses business expenses so operations can continue even if you’re unable to work.

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Covers rent, utilities, salaries & more

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Essential for small business owners

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Keeps your business running during recovery

Critical Illness Insurance

A serious illness or injury can impact your finances beyond lost income. This policy provides a lump-sum payout to help with medical bills, home modifications, and living expenses after a major health event.

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Covers cancer, heart attack, stroke & more

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Cash benefit paid directly to you

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Works alongside health insurance

Short-Term Disability Insurance

For temporary disabilities, our short-term plans provide weekly benefits for up to 26 weeks—so you can focus on recovery without worrying about lost income.

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Benefits start shortly after disability is determined

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Available for self-employed professionals

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Customizable benefit periods

Key Person Disability Insurance

A business is only as strong as its people. If a key employee or leader becomes disabled, the financial impact can be significant. Key Person Insurance helps businesses recover and maintain stability in the face of an unexpected loss of leadership.

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Provides financial protection for companies that rely on key individuals

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Helps cover costs associated with replacing or restructuring roles

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Protects against revenue loss due to a leader’s absence

Buy/Sell Disability Insurance

For business partners, a disability can create serious financial challenges. Buy/Sell Disability Insurance provides funding to execute a buyout agreement if one partner is unable to work due to a disability.

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Ensures a smooth business transition in the event of a disability

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Prevents financial strain on the remaining business owners

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Can be structured to align with existing agreements

Business Loan Protection

Many businesses take on loans to grow—but if a disability prevents you from working, how will you keep up with payments? This policy protects your ability to meet loan obligations, ensuring financial stability.

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Covers business loan payments if you’re unable to work

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Helps maintain credit and financial standing

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Ideal for entrepreneurs, startups, and established businesses

Retirement Security Disability Insurance

Your retirement savings depend on years of income stability—but what if an unexpected disability disrupts your plans? This policy helps ensure that your retirement contributions continue, even if you’re unable to work.

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Helps replace lost retirement savings

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Complements standard disability benefits

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Provides financial security for long-term planning

Introducing

LifeStyle ValueGuard™

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 Immediate cash benefits during the first critical years of a disability

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 Can be used for mortgage payments, student loans, medical bills, and more

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Protects both individuals and businesses from financial strain

Only The Bloch Agency offers this innovative coverage. Speak with a specialist today to find out how LifeStyle ValueGuard™ can strengthen your disability protection.