Smart Income Protection

When Work Stops, Your Income Doesn’t

Protect Your Most Valuable Asset — Your Income

Whether you’re self-employed, run your own business, or earn a high income working for someone else — your income is the engine that powers your life.

But what happens if you can’t work due to illness or injury?

Smart Income Protection (SIP) gives you peace of mind and financial security — so even when you’re unable to earn, your income keeps flowing.

What We Offer

Disability Income Insurance
Get paid monthly if you’re unable to work due to injury or illness.
Business Overhead Protection
Keep your business running smoothly even if you're temporarily out.
Key Person Disability Insurance
If a key employee becomes disabled, your business doesn’t suffer.
Buy-Sell Disability Coverage
Ensure business continuity if a partner becomes disabled.
Smart Needs-Based Planning
Only what you need. No fluff. No sales pressure.

Why Choose SIP?

We specialize in helping self-employed professionals and high-income earners

No pushy salespeople — we lead with education

Plans customized to your income, lifestyle, and business needs

Backed by decades of experience in income protection planning

How It Works: Our 6-Step Smart Process

1. Start the Conversation

Complete a short online quote request form — or book a quick intake call to discuss your needs.

2. We Do the Research

Our office runs multiple quotes and "what-if" scenarios to see what makes sense for your situation.

3. Review Your Options

We’ll schedule a Zoom call to walk through the best options and explain them clearly.

4. Apply & Underwrite

Once you choose your plan, we’ll help you complete the application and guide you through underwriting.

5. Policy Issued

Once approved, your policy is officially in force — your income is now protected.

6. Ongoing Support

We’re here for any questions or service — and especially in the event of a claim.

What Clients Say

"I never thought I needed disability insurance until I spoke to Chaim. Now I sleep better knowing my income is protected."

— Moishe R., Real Estate Investor

"The process was so simple. I finally feel like someone has my back if I ever get sick."

— Rivka S., Graphic Designer

Ready to Protect Your Income?

Complete the Quote Form Book a Free Call

Let’s talk for 15 minutes. No obligation. No hard sell. Just smart advice to protect your income.

Questions You Might Have

What if I already have life insurance?

Is this expensive?

I’m healthy. Do I still need this?

Let’s Get You Covered

You work hard to earn your income.
Let’s make sure you keep it — even if you can’t work.

Complete the Quote Form

OR

Schedule Your Free Call Now