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Choose the Review That Fits Your Financial Priorities

Start with the area you want to understand—protecting your income today or checking whether your retirement strategy is on track. Choose a review below, and I’ll help you identify the questions that matter most.

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What We Can Review Together

Your conversation is centered on the questions you want answered—how to protect your income, how your current benefits work, or whether your retirement priorities are moving in the right direction.

Testimonials

Tania Adams

helped me with health, life and disability. sebastian is a great agent

Very nice young man helped me sort out my insurance

Sebastian has great insurance

Two Focused Ways to Start

Choose one priority now. We can address other questions later, without trying to force every financial decision into one conversation.

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Income Protection Review

Review how disability insurance, sick leave, employer benefits, and savings could work together if an illness or injury interrupts your income.

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silver and black round analog watch

Retirement Readiness Review

Clarify your goals, timeline, workplace accounts, Social Security questions, income needs, and the areas that may deserve a closer look.

Start Retirement Review
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Federal Employee Benefits Review

Understand how FERS, TSP, FEGLI, sick leave, and supplemental protection may fit together based on your federal or postal career.

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a silver and gold object with a reflection in the water

Life & Supplemental Protection

Review life insurance, critical illness, accident, and other protection options based on your responsibilities, budget, and existing coverage.

FAQs

Your Questions Answered: Income Protection Clarity for Peace of Mind

What does income protection insurance typically cover?

It covers lost earnings due to illnesses or injuries that prevent you from working.

How quickly can I start receiving benefits after a claim is made?

Benefit payments start after a waiting period, ranging from 14 days to several months, depending on your policy.

Are there different types of income protection policies available?

Yes, we offer both short-term and long-term disability policies to suit different needs.

Can I customize my insurance plan based on my profession and income level?

Absolutely! We offer customized plans where premiums and benefits are tailored according to your specific profession, income level, and personal needs. This ensures you only pay for the coverage you need.

What is not covered by income protection insurance

Income protection insurance generally does not cover job loss due to termination or redundancy, pre-existing health conditions depending on the policy terms, or injuries sustained from risky activities or illegal actions

How do I choose between short-term and long-term disability insurance?

Choosing depends on your financial reserves, employment nature, and personal health risks. Consult our agents for tailored advice.