Disability Insurance - The Most Overlooked Component of Financial Planning

It’s a simple question: Would your life change if your paychecks stopped?

There is a simple answer:   Our unique approach will secure the Disability Income protection you and your firm need in the most advantageous way possible. 

We provide solutions

Our program features include:

  • No medical underwriting
  • No financial underwriting
  • True Own Occupation coverage
  • Permanent non-cancelable portable coverage
  • Voluntary or Employer paid

Disability Income protection is critical for you and your family’s financial security.People often put themselves and their family at high risk financially, because they fail to understand the devastating effects of a disabling event.In fact, there is a common misconception that the likelihood of such an event is quite low. This of course is not true and the real danger is that any provision of disability insurance is often inadequate or worse, overlooked completely. 

Unfortunately, the reality is quite different from the perception. People understand the need for life insurance, but often overlook the need for Disability Insurance.

Our mission is to draw our client’s attention to this critical area of financial planning that is often overlooked. We are committed to helping our clients protect and secure their income in the most advantageous way possible.

Contact Us Today!

Find out more by downloading the Konikow Association Brochure or calling 201.750.0100 and speak to our customer care officer.


Case Study

We work closely with clients every step of the way, providing many services such as employee presentations to help promote employee awareness and appreciation.more


  • Joel is committed to providing the best service for…
    Kimberly Cornwell, C-TAGME, Lehigh Valley Health Network