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Our Services
Income Replacement
Disability, Business Overhead, and Income Replacement Insurance Solutions — because your ability to earn is your most valuable asset.
Your Income Is Your Greatest Asset
Most people insure their home and car without a second thought — yet few protect their income, which funds everything else. A disability can strike anyone at any age, and without coverage, even a short-term illness can derail your finances.
Palmer Financial works with California professionals, self-employed individuals, and small business owners to design income protection strategies that keep you and your business running — no matter what.
- Replace a portion of your income if you become disabled
- Cover business overhead expenses while you recover
- Short-term and long-term disability options
- Own-occupation definitions available for professionals
- Non-cancelable and guaranteed renewable policies
- Tailored for self-employed individuals and small business owners
Coverage Options
Disability Income Insurance
Replaces a percentage of your income if illness or injury prevents you from working. Protects your lifestyle and financial obligations when you need it most.
Business Overhead Expense
Covers your business's fixed operating costs — rent, utilities, employee salaries — while you're unable to work due to a disability. Keeps your business alive.
Key Person / Buy-Sell
Protects your business from the financial impact of losing a key employee or partner. Funds buy-sell agreements and ensures business continuity.
Did you know?
More than 1 in 4 of today's 20-year-olds will become disabled before they retire. Yet most workers have little or no disability coverage beyond basic state programs. A personalized disability policy can replace 60–70% of your income — keeping your family stable.