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Disability Insurance

Think about how stressful it would be to cope with a disability caused by a sickness or injury. Having disability insurance would help relieve the added stress of losing your income.

Short Term Disability

Short Term Disability (STD) is a source of income replacement if you experience an injury, illness, mental disorder or pregnancy. Short Term Disability Insurance may be right for you if:

  • you want immediate coverage from the first day of your disability.
  • you only need coverage until your employer-provided disability insurance would begin paying benefits.
  • you’re interested in protection that is portable, not tied to your job.
  • you are willing to accept a shorter benefit period to keep the premium as low as possible.

Long Term Disability

Long Term Disability (LTD) is a source of income replacement if you experience an injury, illness or pregnancy. The coverage can help with the every day bills, such as gas, groceries, mortgage or rent, that continue even when you can’t earn an income from working — expenses that are not covered under health insurance. Additionally, the coverage can help in avoiding having to drain savings and retirement accounts. Long Term Disability Insurance may be right for you if:

  • you have resources that could cover your living expenses for the first few months of a disability.
  • you want comprehensive, long-term benefits that would cover disability from an accident or sickness.
  • you want to tailor coverage to meet your unique needs.
  • you’re interested in protection that is portable throughout several years of your career, even up to age 65.

Business Protection

Business Overhead Expense Protection is a reimbursement product designed to protect you as a business owner for business overhead expenses, so your business can continue to operate should you become disabled from an illness or injury. The most common expenses covered include: Employee wages, mortgage or lease payments, business insurance premiums and utilities.

What happens to your business when you die?

Our Partners

Liberty Bank partners with reputable insurance carriers for our products.

​Assurity
Fidelity Security Life
Illinois Mutual
MetLife

Mutual of Omaha
Principal Financial
The Standard


Not insured by the FDIC or any other federal government agency or the bank. Not a deposit of or guaranteed by the bank. Subject to investment risk including possible loss of value. The bank may not condition an extension of credit on your purchase of an insurance product or annuity from the bank or any of its affiliates.

 

For more information, please call 417-888-3000.