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DISABILITY INSURANCE

Protect one of your most valuable assets - Your future earning potential

Enable your clients to protect their most valuable asset — future earning potential.

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What is individual disability insurance?

If you are unable to perform your normal job duties for an extended period of time due to an accident or illness, individual disability insurance will pay a percentage of your income until you’re able to return to work. Adequate disability insurance (often above and beyond policies provided by employers) is crucial if you rely on your ability to earn an income.

Who should consider individual disability insurance?

While many consumers have some level of group disability insurance through their employers, these policies often don’t provide nearly enough coverage, requiring supplemental disability insurance for certain individuals.

  • Income of $120,000+

  • Income that is growing

  • Self-employed

  • Working professionals

  • No group disability insurance

  • Inadequate group disability insurance

Gibson Capital’s individual disability insurance advantage

More Options

We partner with seven of the top eight disability insurance carriers.

Better Coverage

Our internal, unbiased disability specialists review all policy offers to get you the best coverage at the best price.

Fewer Exclusions

As part of our best-interest standard, we work to minimize claim payment exclusions as much as possible.

Why Gibson Capital?

We expect more from the life, disability, long-term care, and annuities insurance industry. So should you. Our fiduciary- and attorney-preferred independent underwriting model gives individuals, businesses, and financial advisors the transparency and leverage they need to get the right policies for their insurance plans, at significantly lower prices.

  • We comparison-shop real prices for your insurance policies — not quotes based on incomplete information.

  • We tell you everything you need to make the best decision, and we’ll share industry secrets you should know before you buy.

  • We operate as a team with companies, individuals, and advisors looking for the best insurance policies at the best price.

Your Questions, Answered

  • What is disability insurance?

    Disability insurance provides income protection if you’re unable to work due to illness or injury. It replaces a portion of your income so you can continue meeting your financial obligations while you recover.

  • Who should consider disability insurance?

    Anyone who relies on a steady paycheck to cover daily expenses should consider disability insurance—especially self-employed professionals, business owners, or individuals without employer-provided benefits.

  • What’s the difference between short-term and long-term disability insurance?

    Short-term disability insurance covers temporary disabilities, typically lasting a few weeks to months. Long-term disability insurance provides coverage for extended or permanent disabilities that may last years or even a lifetime.

  • How much coverage do I need?

    Most people aim to replace 60–70% of their gross income—the portion that would allow them to maintain essential living expenses such as housing, utilities, and healthcare during a period of disability.

  • How do I get started with disability insurance through Gibson Capital?

    You can start with a free consultation. Gibson Capital will assess your needs, explain available coverage options, and design a plan that protects your income and long-term financial security.

Insurance analysis and sourcing you can trust

We’re making insurance easy, efficient, and transparent, so you can solve your clients’ most complex challenges and simple needs with confidence.