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Disability Income


The road to financial security is long and full of challenges, opportunities, and surprises.  The foundation of that financial security is income.  Without it, lifestyles and dreams for the future may be in jeopardy.  


The home may be your client's largest asset, but your ability to work and earn income is someone's most valuable asset.  The chart below estimates a person's earnings potential to age 65.



When a disability lasts a long time, the financial loss it creates can significantly affect family lifestyle and future security.  This is why individual Disability Income Insurance is one of the most important components of any financial plan.  The coverage provides peace of mind - knowing if one becomes too sick or hurt to work, benefits received could help maintain their current lifestyle.  


When a disability lasts one year, the probability it will last longer increases.


Source:  Commission Individual Disability Tables, CSO.



Business Owners Make Great Disability Prospects

For a small business, being productive every day is crucial to the success of a company.


A disabling event can be catastrophic for a business.  For a small business owner, this kind of event may cause the business to sustain irreparable losses and cause the business to fail.  By offering your business owner clients disability insurance to cover those unforeseen events, you can provide them with the knowledge their business will have a chance to grow and succeed, even in their absence.


We encourage you, the advisor, to focus some of your efforts on your business owner clients to account for what interests they have that may not already be covered.





Contact Us:

Insurance Designers of the Southwest Inc.

Carfagno Insurance Services Inc. 

14220 N. Northsight Blvd. Suite #145 

Scottsdale, AZ 85260

Phone - 480-664-4405
Fax – 480-664-4407


Our Philosophy

Insurance Designers of the Southwest Inc. is a full service brokerage agency that strives to provide superior products, service, and sales support to insurance and investment professionals who seek a high quality relationship based on trust, integrity, and sincere interest in mutual success.

Why Choose Us?

  • Collectively we have over 135 years of experience in the insurance industry
  • We offer the most competitive assortment of quality carriers while providing the best service possible from case design to case completion
  • Creative case design with a personal touch
  • We are a Principal member of Insurance Designers of America
  • We value our customers and will work to earn your business