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At Insurance Designers KC our Disability Income specialists will work with you in designing the proper disability insurance plan for your clients by providing product expertise and case specific tools for the needs of individuals or business owners. We make sure your clients understand the importance of income protection as an essential part of their protection portfolio and the best solution(s) to the risk of income loss.

Contact IDA-KC Disability Insurance Team
Dan Heffernan

  • Individual Disability Income
  • Individual Disability Income Insurance replaces a portion of earned income or retirement savings contributions lost due to a disabling sickness or injury. The policy is designed to provide a monthly income to help pay for living expenses, such as mortgage payments, car payments, utilities and food, or replace retirement savings contributions lost due to a disability.

  • Overhead Expense
  • The object of Overhead Expense insurance is to reimburse a business owner for business expenses incurred during a disability. The policy is designed for small and medium-sized businesses, whose personal service is key to the continued earning of business income. The policy is only available to business owners.

  • Disability Buy-Out
  • Disability Buy-Out insurance is to reimburse the purchase of a business owner's interest under a buy-sell agreement, by one or more other owners in the same firm, in the event of a long-term total disability.

  • Business Loan Protection
  • Business Loan Protection is a rider or stand-alone policy that provides reimbursement for a monthly business loan obligation in the event of the insured's total disability. The maximum monthly disability benefit is based on the amount of the monthly loan payment.

  • Key Person Replacement
  • Key Person Replacement insurance is to provide a benefit to the owner (employer) if the Key Person (insured) becomes totally disabled. The policy is designed for minority or non-owner employees who earn $30,000 or more a year and are critical to the success of the business.

  • Also Available:
    • Impaired Risk Disability Plans
    • Niche Disability Income Insurance Products


Assurity Life Assurity Life
Illinois Mutual Illinois Mutual
Mutual/United of Omaha Mutual/United of Omaha
Principal Principal
  Petersen International