income replacement
PROTECT YOUR INCOME.
PROTECT YOUR FUTURE.
Your income is your greatest asset.
If an illness or injury prevents you from working, how will you manage your bills, support your family, or maintain your lifestyle? Income replacement insurance ensures you continue receiving a steady paycheck when you need it most.
At Foresight Investment, we offer tailored income replacement solutions designed to support individuals and families across McKinney, TX and throughout the USA helping you stay financially secure, even during unexpected challenges.
Financial Security
Stay on top of your living expenses even when you’re unable to work.
Family Protection
Provide stability and maintain your family’s quality of life.
Peace of Mind
Feel confident knowing your income is protected.
Work Confidence
Focus on recovery without financial pressure.
Long-Term Stability
Secure your lifestyle and future financial goals.
LET’S PROTECT WHAT MATTERS MOST.
Speak with a licensed professioanl and get a plan tailored to you.
WHAT IS INCOME REPLACEMENT INSURANCE?
Income replacement insurance provides you with a portion of your income if you’re unable to work due to a covered illness, injury, pregnancy, or disability. It helps you manage essential expenses such as rent or mortgage, utilities, groceries, transportation, and more.
WHY INCOME REPLACEMENT MATTERS
1 in 4 of today’s 20-year-olds will become disabled before retirement.
Source: Social Security Administration
The average disability lasts 2.5 years.
Source: Council for Disability Awareness
A disability could cost you 40%–60% of your monthly income.
Source: Risk & Insurance
Sick days and savings may not be enough for a long recovery.
Income replacement insurance helps bridge the financial gap.
Bills don’t stop when you can’t work.
Protect your lifestyle and secure your future.
Who needs income replacement insurance?
- Employees with little or no disability coverage
- Self-employed individuals and business owners
- High-income earners looking to protect their lifestyle
- Families that rely on a primary source of income
- Anyone with financial commitments like a mortgage, loans, or education expenses
YOUR INCOME KEEPS
LIFE MOVING FORWARD.
Mortgage / Rent
Groceries & Utilities
Transportation
Childcare & Education
Loan Payments
Healthcare Costs
income replacement strategies we offer
SHORT-TERM DISABILITY INSURANCE
Provides coverage for a limited period (typically 3–12 months) if you’re unable to work due to illness or injury.
Best for: Recovering from temporary health conditions and covering short-term income gaps.
LONG TERM DISABILITY INSURANCE
Offers extended protection over a longer duration until you recover, retire, or reach your policy’s end term.
Best for: Safeguarding your income against serious injuries or long-term medical conditions.
BUSINESS OVERHEAD EXPENSE INSURANCE
Helps business owners manage ongoing operational costs if they become unable to work due to a disability.
Best for: Keeping your business running smoothly during unexpected disruptions.
SUPPLEMENTAL INCOME
PLANS
Combines multiple financial strategies to create a stronger, more flexible income safety net.
Best for: Achieving comprehensive protection and long-term peace of mind.
HOW OUR PROCESS WORKS
Consultation
We learn about your income, lifestyle, financial responsibilities, and future goals.
Needs Analysis
We evaluate your financial risks and determine the level of income protection you require.
Plan Design
We suggest tailored coverage options that best match your needs and budget.
Implementation
We guide you through the application process and help you get covered quickly and smoothly.
Ongoing Support
We regularly review and adjust your plan to keep it aligned with your life changes.
FREQUENTLY ASKED QUESTIONS
What is income replacement insurance?
Income replacement insurance provides a portion of your income if you’re unable to work due to illness, injury, or disability, helping you manage essential expenses.
How much coverage do I need?
The right amount depends on your income, monthly expenses, debts, and lifestyle. Most people aim to cover 50–70% of their income.
What’s the difference between short-term and long-term disability?
Short-term covers you for a limited time (usually a few months), while long-term provides extended coverage that can last for years or until retirement.
Does my employer’s plan cover enough?
Employer plans often provide basic coverage, but they may not fully replace your income. Additional coverage can help fill any gaps.
Can I get coverage if I’m self-employed?
Yes, self-employed individuals can get customized plans designed to protect their income and business stability.
Are benefits taxable?
It depends on how the policy is paid. If you pay premiums with after-tax income, benefits are usually tax-free. If paid by an employer, they may be taxable.
SERVING CLIENTS ACROSS THE USA
While our office is located in McKinney, TX, we proudly serve individuals, families, and businesses in all 50 states.
LOCAL OFFICE
321 N Central Expy, Suite 220 McKinney, TX 75070
CALL US
+1 (469) 836-1586
VISIT US ONLINE
foresightinvestment.org
DONT RISK YOUR INCOME.
PROTECT YOUR FUTURE.
plan designed for you.