Optional add-ons
Supplemental coverage
Helps with specific gaps such as accidents, hospital stays, critical illness, dental, or vision.
Disability insurance, made simple
Protect the paycheck that keeps coming in.
If illness or injury stops your paycheck, your housing, your bills, and the savings you built should not pay the price. We compare top-rated carriers to replace your income while you recover — in plain English, with a licensed advisor.
A licensed advisor, at no cost to you60 to 70% of your income replacedTop-rated carriers compared for you
Disability coverage backed by carriers you know and trust
Every kind of disability coverage
Find the protection that fits your situation.
Pick the type of disability coverage you are exploring to see how it works — then add your ZIP to start. From individual income protection to business overhead, we place it all.
How it works
Best fit
Important to understand
Now showing . Everything here is tailored to it.
The difference
Put carriers to work for me →Going direct gives you one quote. We give you the market.
Buy straight from one company and you see only their policy and their price. As an independent broker we put top-rated carriers in competition for you, then explain the fine print that decides whether your income is actually protected.
How coverage stacks
Protect your income first. Add only what fits.
Here's the whole idea in one glance: long-term income protection does most of the work, and optional layers fill the specific gaps around it.
The simple version
Two jobs. One protection strategy.
Start here
Major medical
Handles broad covered care: doctors, prescriptions, emergencies, hospital care, and surgery.
01Choose major medical first.02Add a cushion only where it fits your life.
What it covers
What your disability policy should actually cover.
The benefit is paid to you, to use however your household needs. Most people use it to keep these essentials going while they recover.
Housing
Your mortgage or rent keeps getting paid while you are out of work.
Everyday bills
Groceries, utilities, and the costs that never pause.
Medical costs
Out-of-pocket care and treatment while you recover.
Loan payments
Car, student, and credit balances stay current.
Your savings
So you do not drain what you worked to build.
Getting covered
Four simple steps to peace of mind.
No jargon, no pressure. We make protecting your income straightforward, start to finish.
Get started
Fill out a quote form or call usReach out the way that is easiest. Share a few details and our team takes it from there.
Compare your options
We shop. You choose.We compare top-rated carriers for the right coverage, value, and price for you.
Select your coverage
Tailored. Clear. Confident.We walk you through your choices so you pick the protection that fits your needs and budget.
Get your policy
You're protected. We're here for you.Your policy is active and you are covered. Count on us for service and support whenever you need it.
5.0 on Google
Trusted by working people across 18 states.
A perfect 5.0 rating. Here is what protecting their income looked like for a few of them.
From the blog
Insights to help you protect your income.
Plain-English guides on disability coverage, income protection, and getting covered — straight from our licensed advisors.
A typical policy replaces about 60 to 70 percent of your income, and benefits are often tax-free when you pay the premium yourself. We tailor the amount to your situation.
They work together. Short-term covers the first weeks or months, and long-term takes over for serious conditions that last. Many people layer both for full protection.
Often not. Group coverage is usually limited and ends when you leave the job. An individual policy you own fills the gap and follows you wherever you work.
Yes. Comparing is completely free and there is no obligation. You only move forward if a policy makes sense for you.
No. We also place individual, long-term, short-term, group, and business overhead expense coverage. Use the selector above to see each one.
Protect the paycheck everything depends on.
Put income protection in place with a licensed advisor who explains every tradeoff and is genuinely on your side. A short conversation, always free.
One independent agency, 70+ carriers, 18 states. Real advisors who shop it for you and stay with you long after the policy starts.
Company
Contact
- Toll-Free 1-888-899-8117
Local 770-884-8117 - Email Us
- 555 NorthPoint Center E, Suite 400, Alpharetta, GA 30022
- Mon to Fri, 9am to 7pm EST
© 2026 OnePoint Insurance Agency. All Rights Reserved.