​Disability insurance plays a role across many professions, income structures, and planning scenarios. Because no two clients earn income the same way, effective disability insurance planning starts with understanding the market being served and tailoring coverage accordingly.

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At Source Brokerage, we work across a wide range of disability insurance markets, helping ensure income protection aligns with occupation, compensation, and overall financial goals.

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Professionals and White Collar Occupations

Professionals such as physicians, dentists, attorneys, accountants, engineers, and executives often rely heavily on their earned income.

These markets typically require:

• Occupation specific definitions

• High benefit limits

• Coordination with bonuses and variable compensation

• Supplementation of employer provided benefits

Disability insurance for professionals is often a foundational part of long term financial planning.

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Business Owners and Self Employed Individuals

Business owners and self employed individuals face unique income risks because their earnings are often tied directly to their ability to work.

Disability planning for this market may include:

• Individual disability insurance

• Business Overhead Expense coverage

• Loan or practice loan protection

• Buy sell disability planning

Protecting both personal income and business continuity is critical in this market.

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Executives and High Income Earners

Executives and high income earners frequently exceed the benefit limits of employer provided disability plans.

Coverage for this market often focuses on:

• Supplemental individual disability insurance

• Guaranteed Standard Issue programs

• Coordination with group benefits

• Tax efficient benefit design

Advanced case design is often required to properly align coverage with compensation structure.

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Blue Collar and Skilled Trade Occupations

Blue collar workers and skilled trades rely on physical ability to earn income, making disability protection especially important.

This market may require:

• Occupation specific underwriting strategies

• Modified benefit structures

• Short term and long term disability combinations

• Access to specialty markets

Proper planning helps ensure income protection remains available despite higher physical risk

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Medical and Dental Residents and Fellows

Medical and dental residents and fellows represent a unique disability insurance market. While income may be lower during training years, future earning potential is often significant, making early income protection especially important.

Disability insurance planning for residents and fellows often focuses on:

• Locking in insurability early

• Occupation specific definitions tied to specialty

• Future purchase or benefit increase options

Early planning can help secure favorable terms before income increases, health changes, or specialty specific risks develop.

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Medical and Dental Practices

Medical and dental professionals face both personal income risk and business related exposure.

Disability planning for this market often includes:

• Individual disability insurance

• Practice loan disability coverage

• Business Overhead Expense policies

• Buy sell disability agreements

Coverage is frequently coordinated with existing practice debt and ownership structures.

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Small Business Groups and Employers

Employers often use group disability insurance to provide income protection benefits to employees.

This market may include:

• Group short term and long term disability plans

• Executive carve outs

• Guaranteed Standard Issue programs

• Supplemental individual policies

Layering group and individual coverage can help better align benefits with actual earnings.

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Impaired Risk and Non Traditional Cases

Some individuals face challenges qualifying for standard disability insurance due to medical history, occupation, or lifestyle factors.

These cases may involve:

• Specialty underwriting approaches

• Alternative benefit designs

• Surplus lines or non admitted markets

Even when traditional options are limited, meaningful income protection solutions may still be available.

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Loan and Debt Related Disability Planning

Disability insurance can be structured to protect financial obligations tied to earned income.

This market includes:

• Business and practice loans

• Real estate financing

• Personal loan obligations

Coverage is often designed to mirror loan terms and repayment schedules.

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Partnerships and Closely Held Businesses

Disability planning for partnerships focuses on protecting ownership interests and maintaining business stability.

This market may involve:

• Buy sell disability insurance

• Key person disability coverage

• Business continuity planning

Advanced planning helps ensure smooth transitions in the event of a disabling injury or illness.