From central Illinois professionals to executives in Chicago and the suburbs, IL workers rely on Brawner Insurance for disability coverage — Brawner Insurance helps Illinois professionals and individuals find affordable Individual Disability Insurance from multiple top carriers with unbiased advice.
Illinois has over 12 million residents with one of the largest professional populations in the country. With high-income earners across IL needing income protection, Brawner Insurance helps find Individual Disability Insurance from multiple top carriers.
As an independent agency since 1992, Brawner Insurance helps Illinois professionals and individuals calculate income protection needs, compare disability policy features, and shop multiple top carriers for affordable coverage with strong protections.

From doctors and lawyers to business owners and salaried employees across Illinois, Brawner Insurance helps people protect their income with affordable Individual Disability Insurance from multiple top carriers.
Get a Free Quote →Brawner Insurance helps Illinois professionals find affordable disability insurance from multiple top carriers — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
Disability insurance protects your ability to earn income. Here is what we help Illinois professionals put in place.

Individual Disability Insurance replaces 50-70% of your income if illness or injury prevents you from working — protecting your ability to pay your mortgage, bills, and family expenses.
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Short-term disability covers temporary disabilities lasting weeks or months — typically paying benefits for 3-12 months after a brief waiting period of 0-14 days.
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Long-term disability covers serious disabilities lasting years — typically paying benefits until age 65 or 67, providing critical protection for life-altering health events.
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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.
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Disability benefits from policies you pay for personally are typically tax-free — meaning every dollar of your benefit goes directly to supporting you and your family during recovery.
Learn More →We tailor disability coverage to your occupation, income, and risk tolerance — every professional is unique.
Talk to an Agent →The two main types of disability insurance work very differently. Most professionals need both for complete protection.
Best for: people who need immediate income protection for temporary setbacks.
Best for: professionals who need to protect decades of future earning potential.
Not sure which you need? Most professionals benefit from both — and we will help you decide.
Compare My Disability Options →We will review your occupation, income, and needs to build the right disability protection.
Get a Free Disability Review →660-665-1687 · 660-754-1000
Understanding these key facts helps you choose the right disability protection for your situation.
About 1 in 4 of today's 20-year-olds will become disabled before retirement. Disability is more common than most people realize.
Most long-term disabilities are caused by illness, not accidents — conditions like cancer, heart disease, and musculoskeletal issues.
Short-term policies cover weeks to months. Long-term policies protect for years — often until retirement age.
Own-occupation coverage pays if you cannot perform YOUR specific job — the gold standard for professionals.
Planning Tip: Lock in coverage while you are young and healthy. Rates are based on age and health at the time of application — the younger you apply, the more affordable your protection.
We learn about your occupation, income, existing coverage, and goals so we can recommend the right disability policy.
We shop your disability coverage across top carriers to find competitive pricing and the right policy features.
We walk through coverages, definitions, elimination periods, and benefit periods in plain language — no jargon.
We handle the application, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your occupation, income, and financial obligations so we can recommend the right disability policy.
We compare disability policies from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why professionals across the Midwest trust Brawner Insurance for disability coverage.
"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."
"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."
"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."
In Illinois, disability insurance typically costs 1-3% of your annual income. Costs vary based on age, occupation, health, and policy features. Brawner Insurance compares quotes from multiple top carriers for Illinois professionals.
Most Illinois professionals 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 existing coverage.
Own-occupation coverage pays benefits if you cannot perform YOUR specific job — even if you could work in a different field. This is especially valuable for Illinois professionals like doctors, lawyers, and specialized executives.
Disability benefits from policies Illinois residents pay for with after-tax dollars are typically tax-free. Benefits from employer-paid group disability are typically taxable. Brawner Insurance helps you understand the tax implications.
Yes — self-employed Illinois workers have no employer disability coverage. They depend entirely on their own income protection. Individual Disability Insurance is essential for self-employed professionals and business owners.
Yes — Brawner Insurance works with Illinois professionals to compare disability policies from multiple top carriers, explain coverage features in plain English, and find the right combination of protection and affordability.
Brawner Insurance helps Illinois professionals find affordable Individual Disability Insurance from multiple top carriers — replacing 50-70% of income if disability strikes.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
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