NVY Group

Income Protection

Protect Your Paycheck Even When You Can’t Work

What would happen if you couldn’t work for 3 months?

Most people don’t think about this until it’s too late:

  • A sudden injury

  • An unexpected illness

  • A medical condition that keeps you home for weeks, or even months

When you can’t work, your bills don’t stop. Rent is due. Groceries need to be bought. The kids still need care. And that emergency savings account? It may not stretch as far as you hoped.

That’s where income protection (also called disability insurance) comes in.

👥 Who This Is For

Freelancers, Contractors, & Self-Employed Pros

You are your business. No work = no income.
You don’t have an employer to fall back on if something happens. Income protection gives you a financial buffer, so one injury doesn’t wipe out your progress.

 

Parents with a Mortgage and Kids to Feed

You’re juggling everything, school runs, bills, and work.
If you’re the breadwinner (or one of them), losing your income even temporarily could put your whole family under strain. This protection keeps the lights on while you focus on getting better.

 

Blue-Collar Workers & Tradespeople

When your job is physical, you face higher risks every day. Whether you’re on your feet all day, driving, lifting, or operating machinery, you can’t afford to be sidelined with no backup. We help you get covered based on what you actually do, not just what the paperwork says.

 

Mid-Level Professionals & Managers

You’ve built a steady income, but have expenses to match. A long-term illness or surgery could drain savings fast. Income protection helps maintain your lifestyle and credit while you recover.

The Real-Life Questions People Ask

  • What if I get hurt and can’t work, how will I pay rent?”
  • “Isn’t disability coverage just something employers offer?”
  • “What’s the difference between short-term and long-term protection?”
  • “Will the insurance company actually pay me when I need it?”
  •  
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What You Really Want

You want to know:

  • Your bills will be paid even if you’re not earning

  • You won’t drain your savings or go into debt if life throws a curveball

  • You have some kind of cushion, especially if you’re self-employed

  • You’re not depending on luck or hope to stay financially stable

What Income Protection Covers

Income protection replaces a portion of your income, usually 60–80%, if you can’t work due to:

  • Injuries (car accidents, falls, workplace injuries)
  • Illness (cancer, chronic pain, mental health challenges, long COVID, etc.)
  • Surgery recovery
  • Pregnancy or complications (in some short-term policies)

     

Coverage varies, but we help you understand:

  • Short-term vs. long-term policies
  • Elimination periods (how soon you start receiving payments)
  • How to coordinate with other insurance or benefits you already have
  • What’s excluded (so there are no surprises)

     

How NVY Group Helps

At NVY Group, we work with:

  • Self-employed professionals who want affordable income protection
  • Families who want financial peace of mind
  • Individuals without employer benefits who need backup coverage
  • People with existing health conditions navigating eligibility

     

We are independent and licensed, which means:

  • We work with multiple top-rated carriers
  • We help you compare quotes
  • We explain everything in plain English
  • We focus on your budget and actual lifestyle, not what looks good on paper

     

And best of all, our help is free.

Book Your Free Consultation Call

Common Misconceptions We Help Clear Up

  • It’s too expensive.

Most basic policies cost less than your daily coffee.

  • I have savings

Will that cover 3–6 months of missed income and bills and groceries?

  • I’m healthy. I’ll be fine.

So were most people who filed claims last year. Accidents don’t schedule appointments.

 

Only employers offer this
Anyone can get private income protection—especially if you work for yourself.

Book Your Free, No-Pressure Consultation

Let’s protect your income like you protect everything else.

 In our consultation, we’ll:

  • Learn about your income and lifestyle
  • Walk through affordable coverage options
  • Show you what short- or long-term coverage could look like
  • Answer your questions in plain language

Book Your Free Income Protection Consultation


You’ve worked too hard to leave your paycheck to chance.

You Work for Your Income.

 

Let’s Make Sure It Works for You.

 

Whether it’s a few weeks off, or months out of work, you deserve protection.
We’ll make sure you get it, with clarity, and no pressure.

We look forward to the opportunity to learn about your unique situation and explore how We can help secure your financial future while empowering you with the knowledge to make confident decisions.

GET STARTED TODAY

Ready to Simplify Your Medicare?

Schedule a no-cost, no-obligation consultation with NVY Group today. We’re here to help you every step of the way.

Start Your Appointment

Fill out our quick intake form so we can prepare for your personalized consultation.

Call Us

Speak directly with our team and get your questions answered right away.

Text Us

Prefer texting? Send us a message and we’ll respond promptly.

Email Us

Send us an email — we respond within 24 hours, guaranteed.

Ready to Get Started?

No cost · No pressure · Honest Medicare guidance

D-U-N-S #:13-195-8216

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day / 7 days a week, to get information on all of your options. Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or Initial Enrollment Period. Not connected with or endorsed by the United States government or the federal Medicare program.

NVY Group complies with applicable Federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. ATENCIÓN: si habla español, tiene a su disposición servicios gratuitos de asistencia lingüística. ATTENTION : Si vous parlez français, des services d’aide linguistique vous sont proposés gratuitement.

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