Disability Income Protection for a Self-Employed Professional

A self-employed physical therapist in Evesham came to us with a hard truth: if she couldn’t work, the income stopped cold. No employer safety net, no backup plan. That’s a risk no independent professional should carry alone.

We designed a disability insurance strategy tailored to her occupation, income level, and business obligations. We stress-tested the numbers to make sure the benefit actually replaced what she needed — not a watered-down policy that looks good on paper.

We also layered in overhead expense coverage so her practice could stay afloat during any recovery period.

Now her income is protected, her business is protected, and she can focus on her clients instead of worst-case scenarios. Bold planning, real peace of mind.