With disability insurance, you can help your clients protect what matters most.

CreativeOne’s experienced disability insurance (DI) team works in collaboration with Disability Insurance Services (DIS) to create a disability protection package that’s right for you and your clients.

Why disability insurance?

Because your clients need it. Because it’s our goal to support you with a full range of leading insurance solutions. Because we care about your clients and your relationship with them. This is important for all clients, including millennials. Listen as Pat, Rena, and Ian give you insights into why that’s the case.

Having adequate disability coverage is essential to your clients’ long-term financial stability. Consider the following:

Only 40% of U.S. households have enough liquid savings to cover three months of living expenses, and only 28% have enough to cover six months of expenses. ¹

Of today’s 22-year-olds, one in four can expect to be out of work for at least a year with a disabling condition over the course of their career. ²

Each year, approximately 5% of working Americans experience a short-term disability (six months or less) due to illness, injury or pregnancy. Almost all of these disabilities are non-occupational. ³

From 2009 to 2018, only 32% of Social Security Disability Insurance (SSD) claims were approved. 21% of those were approved at the initial application stage, while the remaining claims went through a lengthy appeals process before being approved. ⁴

The average SSDI benefit for a disabled worker is $1,279 per month. That equals $15,348 per year, which is below the poverty line of $17,420 for a two-person household. ⁵

We offer a wide range of disability insurance to meet your clients’ needs.


Individual Coverage
Retirement Plan Coverage
Simplified Issue
Income Protection


Business Overhead Expenses
Disability Buy-Sell Insurance
Key Person
Bank Loan
Guaranteed Standard Issue

Other Needs

Critical Illness
Long-Term Care
Multi-Life Long-Term Care

Physicians face unique financial challenges, especially if they own their practice.

Watch as we outline just how our DI services can help those physicians protect their incomes and their practices.

The bottom line?

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