Throughout your career, your income will change many times, as will the ways you are using your income. A raise, promotion, new job, or even starting your own business, all signal changes to your income. An individual policy allows you the flexibility to pursue opportunities, without relying on group coverage alone. When your income grows, you can increase your coverage using a future insurability option rider. An increase in coverage doesn’t even require medical underwriting when using this rider! Disability insurance ensures you stay on track for retirement and your future goals, no matter what may come your way.