Disability Income Insurance
Replace Your Income if You Can’t Work
What it is
Pays a monthly benefit (50–70% of income) if illness or injury prevents you from working. Policies can be own-occupation (can’t do your specific job) or any-occupation.
Key riders & strategies
Critical for traders, developers, or miners.
Pays partial benefit if income drops 20%+.
Boost coverage without new medicals as income rises.
Benefits increase with CPI to combat inflation.
Crypto-specific uses
Use guaranteed-level premiums to cover average monthly earnings.
Pays rent, salaries, ASICs if owner is disabled.
Trigger policy to fund partner buyout if you’re sidelined.
