Income Insurance,in a nutshell.
You've invested a lot of time and hard work in building a life that works for you. There's nothing that can stand in your way.
Actually…there might be. An unexpected illness or injury could put a stop to your best laid plans and hard-earned success. But hope is on the horizon when you have an income insurance policy from Asteya.
You might have also heard it called Disability Insurance, but we prefer to focus on the income side of things as, really, that's what you're protecting.
Think of it as a way to replace the earnings you miss out on if you're not able to do your normal day job.
If you have Income Insurance, you can spend your days transitioning into your new way of life and taking care of yourself rather than wondering if you can pay the next electric bill.
How it works
Apply for a no exam income insurance policy with Asteya
Unlike most insurance providers, we don't require any blood tests or even a doctor's appointment. We'll simply ask you a few questions to help us determine the best policy for your situation.
Start your coverage and do what you do best
Once your policy is in place, you're all set! You'll pay your premium either quarterly, monthly, or annually for the length of your policy—and that's about it.
Make a hassle-free claim if you become ill or injured
We hope that we'll never need to hear from you once you have your policy, but if the unexpected should happen and you need to make a claim, our team will be there to help you get the funds you need as quickly as possible.
If and when your claim is approved, you'll receive a payout that you can use for whatever you need—like bills, groceries, or medical expenses.
Do I need Income Insurance?
If you're still on the fence about whether income insurance is for you (hint: it is), here are a few extra points to consider:
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1/4 of us will be unable to work due to a health or wellness issue before we retire
We know it's a scary statistic, but that's why it's good to have a plan. Even if your earnings stop, the bills keep coming. You'll need to find that consistent income from somewhere else—and an income insurance policy is more reliable than your couch cushions.
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Affordable security that takes stress off your plate
Insurance policies cost roughly only 1-6% of your yearly income. Plus, since you'll be paying for your policy with after-tax dollars, any payout you receive will also be tax-free.
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It protects you no matter what comes your way
Whether it's a life-altering diagnosis or accident or a seemingly minor injury that makes a big difference in your day-to-day life, income insurance is there to give you some peace of mind when you need it most.