Disability Insurance (DI)

Disability Insurance (DI) Defined – A policy providing income replacement to a policyholder who is disabled and cannot work. Income Protection for individuals. Business Loan, & Business Overhead Expenses Insurance for business owners.

Fowler Financial provides Disability Insurance (DI), Business Loan Insurance, Business Overhead  Insurance, & Disability Insurance Quotes to individuals, business owners, and at the worksite in Venice, Osprey, Englewood, Nokomis, Sarasota, North Port, Charlotte County, DeSoto County and surrounding areas.

 Disability Needs Calculator Worksheet

What would happen if an accident or illness prevented you from working? For most of us, our lifestyle is dependent upon the family breadwinners’ income. Disability income insurance provides replacement income if you’re unable to work due to an illness or injury.

Disability Insurance QuotesIndividual Protection
Fowler Financial provides Disability Insurance Quotes for people in all types of occupations. Whether you’re a doctor, cabinetmaker, executive, teacher or technician, your Fowler Financial representative can design a disability income policy to meet your needs and budget. We take pride in providing coverage for those in poor health or were previously denied due to health issues.

Learn about Mortgage Protection

Worksite Muli-Life Census

 Business Protection
Personal, Business Overhead Expense(Cash Flow Protection), Business Loan Indemnification, Guaranteed Issue, Key-man, Pension Completion, Buy-Sell, Multi-Life, High Limit, Return of Premium, Graded Benefit, Loss of License, Loss of Future Earnings, Buy In, Contract Guarantee, Severance, Stock Option, Poor Health (Unable to Qualify for Coverage), & Coverage for all Professions.

Additional Services – Exit Planning, Sick Pay Plans and Documents, Business Valuation (no fee), Employee Benefits.

Business Overhead Insurance – Qualified Business Expenses Worksheet

* Business Overhead Expense (BOE) – Cash Flow Protection reimburses business owners for the expenses necessary to keep their company running upon the disability of any of the owners.
* Business Buy-Sell provides the funds to effect an orderly transfer of ownership in the event of a business co-owner’s disability.
* Retirement Security helps individuals continue saving for retirement if they become too sick or hurt to work.
* Key Person Replacement insurance is an effective way to provide your business with the funds necessary to help handle the loss of a key employee and recruit and train a replacement.

Business Overhead Expense Insurance (Watch Video)

SSDI Benefits versus Long Term DI Insurance Benefits (Watch Video)

Do you need DI or life insurance (Watch Video)?

Who would have expected to be permanently disabled from a broken arm? (Watch Video)

Visit DI Can Happen!

Don’t forget to ask about our Individual Disability Insurance multi-life discount for as few as 2 lives or how we can provide Guaranteed Issue Disability for as few as 5 lives!

Request Quotes & your copy – “Buyers Guide to Disability Insurance”





Micah 6:8 He hath shewed thee, O man, what is good; and what doth the Lord require of thee, but to do justly, and to love mercy, and to walk humbly with thy God?

2 Chronicles 7:14 If my people, which are called by my name, shall humble themselves, and pray, and seek my face, and turn from their wicked ways; then will I hear from heaven, and will forgive their sin, and will heal their land.