Protect Your Income. Protect Your Future.

Individual Disability Insurance (IDI) is a policy you own that replaces a portion of your income (typically 50-70%) if illness or injury prevents you from working. Unlike group disability through employers, individual policies are portable and typically tax-free.

Most people are more likely to become disabled than to die during their working years. Without disability insurance, a serious illness or injury could devastate your finances. Disability insurance protects your ability to earn a living — your most valuable asset.

Most people need to replace 50-70% of their income to maintain their standard of living. Brawner Insurance helps calculate the right monthly benefit based on your income, expenses, and other coverage you may already have.

Costs vary based on age, occupation, income, health, and policy features. Most disability policies cost 1-3% of your annual income. Brawner Insurance compares quotes from multiple top disability insurers to find affordable coverage.

Own-occupation coverage pays benefits if you cannot perform YOUR specific job — even if you could work in a different field. This is the strongest disability protection available and is especially valuable for professionals like doctors, lawyers, and executives.

Yes — as an independent insurance agency, Brawner Insurance shops disability coverage across multiple top carriers to find the right protection at a competitive rate. We work with clients across Missouri, Iowa, Kansas, and Illinois.