With Asteya's Income Insurance, you can protect your income from the unexpected and still get paid even if you can't work.
You can think of it as an income safety net, giving you an earnings replacement if you're not able to work due to an unexpected illness or injury. It's also known as disability insurance
We've developed a first of its kind online platform that provides you with the fastest and easiest experience possible.
As low as $6/month.
Quote to policy in 30 minutes or less.
Fully online and seamless, which means no proof of income, no medical exams, no phone interviews, no wait times.
A-rated and completely customizable.
Fill out your application from anywhere, at any time, with no wait.
A seamless process that delivers your policy directly to your inbox, so you'll never lose it.
Rest easy knowing you're covered.
Be paid out directly on an approved claim, and spend without restrictions once it's in your bank account.
Everyone deserves the opportunity to protect their quality of life and their future, which is why we've made our Income Insurance as inclusive and accessible as possible. From corner store employee to corner office executive, our products were created to fit every budget and lifestyle.
They're the same, but we like to highlight the positive. We think the phrase 'Disability Insurance' is confusing, so we're creating a new category that replaces it! We're calling it 'Income Insurance' because it's intended to protect your income, so you maintain your lifestyle, rather than focusing on the cause of income loss. Proponents of 'Life Insurance' didn't name their product 'Death Insurance', so why should we call our product 'Disability Insurance'?
Income insurance policy costs vary based on many factors like (but not limited to) health risk, age, benefit amount, elimination period, benefit period, or policy term. At Asteya, we have a variety of options to fit your budget.
Income insurance pays a benefit that replaces a portion of your income if you experience a disability that leaves you unable to work. After the onset of a disability, you need to complete a period called a "waiting period" or "elimination period," in which you must maintain the disability/inability to work. Once your benefits begin, they'll continue until the disability ends, and you can return to work or until the benefit period and/or lump-sum provided by the policy ends. Many insurers use a sliding scale to issue limits for individual disability plans, which means that higher income levels end up with a lower percentage of income replacement due to benefit limits determined by domestic carriers. This means higher income earners have historically not been able to secure appropriate levels of protection. Fortunately, there are solutions for these individuals in the 'excess market' through carriers like IDU, Inc.
Income insurance is for anyone who wants a safety net of financial security. However, certain factors can increase your need for income insurance and may be necessary if you:
The earlier you jump on the income insurance train, the faster you are on track to financial security! If you are young and healthy now, then qualifying for a policy is easier and the premiums are much lower -- no reason to wait!
With income insurance, cheap is chic as long as quality and care are included too! Whether you're wanting to safeguard your assets or maximize income security, our policies are designed to fit your specific needs.Our focus is on protecting your income and providing a way for you to feel secure without breaking your budget. In fact, income insurance is one of the least expensive insurance coverages.
Asteya's customer experience team is here for you.
Speak to one of our team members at email@example.com