Life & Disability Insurance
Protect the income your family already depends on — whether the risk is losing your life or losing your ability to work.
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Most people think about life insurance and forget disability coverage entirely — even though you’re statistically more likely to face a disability that stops you from working than to pass away during your working years. We look at both together, because protecting your family’s income means planning for either outcome, not just the one that’s easier to talk about.
Life Insurance
Term or permanent coverage sized to replace your income, cover outstanding debt, and give your family room to breathe — not just bury expenses.
Disability Insurance
Income replacement if an illness or injury keeps you from working, whether short-term or long-term. Especially important if you’re self-employed or a 1099 earner without employer-provided coverage.
Who This Is For
- Parents and primary earners who want their family’s lifestyle protected, not just their debts covered
- Self-employed professionals and 1099 earners without an employer disability plan
- New homeowners and business owners layering personal coverage on top of business obligations
- Anyone who’s never actually run the numbers on how much coverage they need
Frequently Asked Questions
How much life insurance do I actually need?
It depends on your income, debts, dependents, and how many years you want to replace — there’s no single multiple that fits everyone. We’ll work through your actual numbers together rather than quoting a generic rule of thumb.
Does my employer’s disability coverage cover enough?
Often it replaces a smaller percentage of income than people assume, and it usually ends if you leave the job. A supplemental individual policy can fill that gap and stays with you regardless of employer.
Can I get both life and disability coverage through Jhenesis Insurance?
Yes — we’ll review your full picture and recommend coverage across both, rather than selling them as separate, disconnected decisions.