Disability insurance is not just for high-risk professions. Accidents, chronic illnesses, or mental health challenges can affect individuals across every industry. Whether you’re a business owner, employee, or independent contractor, disability coverage provides a financial lifeline when you need it most.

At OMNI 360 Advisors, we tailor disability insurance plans to align with your specific needs, occupation, and financial goals. Our advisors walk you through every step—from evaluating your current risk to selecting and maintaining the best plan for your lifestyle.

We offer both short-term and long-term disability policies, depending on your occupation, financial responsibilities, and existing benefits.

We help you weigh factors like elimination periods (how long before benefits begin), benefit amounts, and coverage duration to find the right balance between affordability and protection.

Designed for professionals, business owners, and high-income earners, individual disability insurance supplements or replaces employer-provided coverage. It is portable, customizable, and often includes more generous terms.

We work closely with you to ensure your individual plan covers your true cost of living and reflects your long-term financial goals.

If you own a business, offering group disability insurance not only protects your employees but also demonstrates your commitment to their well-being. OMNI 360 Advisors can help you integrate group disability coverage into your company’s employee benefits package—often at a lower premium than individual policies.

We also offer:

We specialize in helping high-earning professionals, such as doctors, attorneys, engineers, and executives, choose “own-occupation” coverage—ensuring benefits are paid even if you’re able to work in a different, lesser-paying job.

Many standard policies only pay if you’re disabled from any gainful employment. Our expert advisors explain these distinctions and help you select the right policy to protect your profession-specific income.

Disability insurance and annuities work hand-in-hand to support long-term financial security. A disability can derail your retirement planning by reducing your ability to contribute to savings or retirement accounts. Our team integrates disability insurance into your broader annuity strategy, ensuring income continuity and financial independence—even when the unexpected happens.

We’ll help you:

This proactive planning ensures that a temporary or permanent disability doesn’t disrupt your wealth-building efforts.

At OMNI 360 Advisors, our multi-disciplinary approach means you get more than just an insurance policy—you get a customized financial strategy developed by in-house CPAs, financial planners, and legal advisors.

Workers’ compensation only applies to injuries or illnesses that occur at work. Most disabilities, however, happen outside of work, making private disability insurance essential.

We typically recommend covering 60–70% of your pre-tax income. Our team conducts a personalized analysis to help you determine the right amount based on your income, expenses, and goals.

Yes! Optional riders can enhance your coverage. Popular options include:

We explain the pros and cons of each so you can make informed decisions.

Disability insurance is essential for:

Don’t wait until a health issue forces the conversation. Disability coverage is most affordable and accessible while you’re healthy.

Your earning potential is the foundation of your financial plan. Let OMNI 360 Advisors help you protect it with customized, forward-thinking disability insurance solutions. Whether you’re self-employed, navigating a high-stress profession, or planning your financial legacy, we’ll help you take the next step toward peace of mind and income protection.

We’re here to ensure you’re prepared for life’s uncertainties. With OMNI 360 Advisors, you gain a reliable partner who prioritizes your financial stability, professional future, and long-term personal security.

Contact us at 609-452-0889 today for a personalized disability insurance consultation.

How we do business – ADV Part 3 – CRS (Please see attached document)

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