The question is what would happen to you or your loved ones if you should become injured in a way that you can earn a living. Who would pay your expenses and for how long would your savings last. Would your immediately family and friends support you financially and if so how long. This Insurance protects and replaces the lost income and helps maintain a life style until you can return to employment, if at all not everyone in all occupations can qualify for this type of coverage. Not everyone can obtain the desired levels of income benefits they need as well. We specialize in assisting our clients protecting their income needs. We only offer insurance coverage through carriers that are fully admitted in and by the State of Florida.