Protect What Matters Most
Specialized protection for your most valuable asset, your ability to earn. Personalized coverage from an expert who understands your profession.
The Peach Insurance Difference
No comparison engine, no call-center hand-off. The Life is Peachie process is how every policy gets built.
01 / Qualify
Income structure, health profile, and existing coverage.
02 / Design
The right benefit period, elimination period, and definition.
03 / Place
We work occupation class and ratings on your behalf.
04 / Steward
Reviews as income and responsibilities evolve.
A Primer
Coverage for your paycheck: monthly benefits that replace a portion of your income when illness or injury keeps you from working.
Protection
Quality coverage
Income replacement for brief periods (3–6 months), after a short elimination period.
Ongoing income protection for serious conditions, often through to retirement age.
Pays if you can't perform your specific profession, even if you can work elsewhere.
Pays only if you can't perform any suitable occupation. Lower premiums.
Employer-provided basic coverage at lower cost, with limited portability.
Personally owned, portable, and customizable, with stronger protections.
From $9/month.Entry premium for a healthy professional. Cost scales with occupation class, benefit period, and income, talk to us for an accurate quote. We help match the structure to your profession.
Three numbers most professionals underestimate about their income.
Your earning power is the asset every other plan depends on, and it's the one most people leave unprotected.
A typical policy costs a fraction of a percent of the income it protects.
1 in 4
of today's 20-year-olds will become disabled before reaching retirement age (Social Security Administration).
Group coverage is thin, often taxable, and rarely follows you when you change jobs.
Employer plans typically replace only 50–60% of base salary, excluding bonuses.
33%
of American workers carry private disability insurance, leaving the majority exposed to income loss.
A serious claim isn't measured in weeks. It's measured in years without a paycheck.
Social Security disability averages roughly $1,358 a month, rarely enough on its own.
34.6 mo
average length of a long-term disability absence, nearly three years without regular income.
Each story below is one situation we worked through, in the order we worked through them.
Needed benefits if unable to perform surgery, even while still able to see patients in clinic.
We secured a true own-occupation policy with a specialty-specific rider, so full benefits pay if the surgeon can't operate, even if they continue working in another medical capacity.
Worried about covering rent, payroll, and fixed costs during a potential disability period.
A business overhead expense (BOE) policy alongside individual coverage funds fixed expenses if the owner is disabled, keeping the business solvent through recovery.
Multiple carriers declined due to documented degenerative disc disease and prior surgery.
We negotiated a targeted exclusion rider for the specific condition while preserving comprehensive protection for every other disability, coverage the client thought impossible.
Substantial income from commissions and bonuses sat outside the reach of group disability.
A multi-policy approach combined the employer plan with a supplemental individual policy and a high-limit layer, protecting full income including incentive pay.
As a surgeon, I needed specialized disability coverage that would protect my income if I couldn't perform surgeries. Peachie found me a true own-occupation policy that other brokers said wasn't available at my age and health profile. Her expertise in the disability insurance market is unmatched.
The Life is Peachie process made understanding disability insurance simple and straightforward. I finally understand the difference between own-occupation and any-occupation coverage, and feel confident that my income is protected if I'm unable to work in my specialized field.
As a financial advisor, I rely on Peach Insurance Services for my clients' disability insurance needs. Peachie's deep knowledge of carrier underwriting guidelines and her ability to design customized disability solutions for specialized professionals consistently exceeds my expectations.
Six answers, ranked by what people ask first.
A thirty minute conversation with Peachie. Plain language, no quotas, no follow-up calls.
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