Disability Counter


Income Protection, or Paycheck Protection, provides a monthly benefit if you are unable to work due to an accident or a sickness. Often referred to as Disability Insurance, the concept of income protection is to replace a percentage of your income when you are hurt or sick and your income (paycheck) stops.

There is no “one” plan for everybody. You can create a plan based on what percentage of income you want to replace (typically 60%), when you want the benefits to begin and how long you want the benefits to last. Each of these decisions has an effect on your cost along with other factors such as age, sex, occupation and smoker status.


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For the overwhelming majority of people, the consequences of no income would be financially devastating. Statistics from the Council For Disability Awareness show that your chances of becoming disabled before age 65 are greater than dying, greater than your house being destroyed and greater than your car being totaled in an accident. In fact, just over 1 in 6 of today’s 35 year olds will become disabled before they retire. So, while many people do insure their life, their house and their car, most people fail to insure their income, their most valuable asset.

Unfortunately, far too many people think that either they are adequately covered through work and/or that Social Security will take care of them. These assumptions can lead to financial ruin.

My job is to make sure that your life doesn’t get really screwed up!



Who Gets Paid

“We insure the goose, not the golden egg.”

Our Process Makes Disability Insurance Easy.

Discovery is a 30 minute get to know each other phone call. We will contact you to set the initial phone appointment to review health, occupation, income, future plans related to employment, existing Disability Insurance. With this information David will review your existing coverage, provide analysis, recommendations and whether to reduce, supplement, replace or keep as is. David works with multiple insurance carriers to design the best options for each client’s personal situation.

We will set a face to face meeting or phone appointment, client choice. We will review David’s recommendations and answer any questions. This will take approximately 60 minutes.


We set a follow-up meeting to review questions or concerns you may have. We will set a plan design and move forward with implementation. The review will take 60 minutes or less.

We’re Always Available!
Have a question on a contract feature? Need help increasing your coverage? Call anytime! We are always available and eager to assist you before, during, and after you make the decision to purchase insurance.

Frequently Asked Questions

Frequently Asked Questions

You can choose to pay your premium annually, semi-annually, quarterly or monthly.

Available payment forms are credit card, debit card or draft from your checking account. Credit cards accepted include MasterCard, Visa, Discover, American Express

Your cost depends on several factors to include age, occupation and the plan that you choose. By completing Step 1 in the process, you will see the exact cost of your coverage.

Benefits will last until you are no longer disabled or to the end of the benefit period that you apply for. The most common benefit periods are 2 years, 5 years or Age 65, 67 or 70.

You are eligible to begin receiving benefits once you have satisfied the elimination (waiting) period. The most common waiting period is 90 days.

You can purchase a monthly benefit that replaces up to 60% to 70% of your monthly income. The maximum monthly benefit you can purchase is $10,000/month; or higher limits with Lloyds of London.

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We Want to Hear From You!

The Goose Man loves Disability, Life, and Long-Term Care Insurance as well as a nice cup of java. If you would like to immerse yourself in a little of each, ask the goose man and you shall receive!

Fill out the form
or email us at dave.the.goose.man@gmail.com
or call us at:
(831) 479-4422 office (831) 239-6774 cell

Request for Disability Quote