What is the difference between disability insurance and critical illness insurance?

Disability insurance replaces a portion of your regular income if an injury or illness prevents you from working. Critical illness insurance may pay a lump sum if you are diagnosed with a covered condition such as heart attack, stroke, or cancer. Many people carry both for comprehensive income protection.

Can I get income replacement insurance if I work for myself?

Yes. Self-employed individuals, freelancers, and gig workers can purchase individual disability and critical illness policies. Since you don't have employer-provided coverage, personal income protection may be especially important. We work with multiple carriers to help find options that fit your situation.

How are disability insurance benefits taxed?

It depends on who pays the premiums. If you pay the premiums with after-tax dollars, benefits are generally received income-tax-free. If your employer pays the premiums, benefits are typically taxable. Benefits may be income-tax-free depending on your individual circumstances; please consult a tax advisor.

Does Trek offer income replacement insurance in my state?

Trek is licensed in 19 states, including Nebraska, Iowa, Texas, and Illinois. Contact us to confirm availability in your state.

Income Replacement Insurance | Protect Your Livelihood

What would happen if a sudden illness or injury stopped you from working tomorrow?

Your ability to earn an income is the foundation of your family’s financial security. It pays the mortgage, funds your retirement, and puts food on the table. At Trek Insurance Solutions, our income replacement solutions are designed to help provide a reliable financial safety net when life throws the unexpected your way.

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Income Protection That Can Work When You Can’t

If you are sidelined by a health event, your only job should be getting better. We can help you build a customized strategy so you can focus on your recovery — not on how to pay your bills.

Explore our income replacement options below:

Critical Illness Insurance

A serious medical diagnosis is overwhelming enough without the added burden of financial strain. While standard health insurance covers doctor and hospital bills, it doesn’t cover your everyday living expenses while you are out of work.

Critical illness coverage may pay a lump sum directly to you if you are diagnosed with a covered illness, such as a heart attack, stroke, or life-threatening cancer. Benefits may be received income-tax-free depending on your individual circumstances; please consult a tax advisor.

You have control over how the money is used — covering experimental medical treatments, traveling to specialists, paying your mortgage, or simply managing everyday expenses.

Disability Insurance

Your bills don’t stop just because you are unable to work. Disability insurance acts as “paycheck protection,” providing a portion of your regular income if an injury or illness prevents you from doing your job.

Whether you need short-term relief for a temporary setback or long-term support for a permanent condition, disability insurance can help provide a steady stream of cash flow, subject to policy terms and eligibility. We can help design a policy tailored to your specific profession, income level, and family needs.

Life Insurance with Living Benefits

Life insurance isn’t just about leaving a legacy anymore — it can also help protect your present. Life insurance with living benefits allows you to access a portion of your policy’s death benefit while you are still living if you experience a qualifying terminal, chronic, or critical illness.

This provides dual protection: a traditional financial safety net for your loved ones if you pass away, and a potential source of income replacement if you survive a severe health event but require ongoing care.

Don’t Let the Unexpected Derail You

Most people have insurance for their car, their home, and their health — but may overlook the one asset that makes all of that possible: their income. Without income protection, a single health event can wipe out years of savings and financial planning.

Critical illness coverage may pay a lump sum when you need it most; benefits may be income-tax-free depending on your situation
Disability insurance can help replace lost income — short-term and long-term, subject to policy terms
Living benefits may let you access life insurance benefits while still alive
Customized strategies designed for your specific occupation and income level

Why Work With Trek Insurance Solutions

As an independent brokerage, we recommend coverage based on your needs — not sales quotas. We work with multiple carriers to help find the right income protection options for your situation.

Independent Guidance. We’re not tied to any single carrier. We compare policies across multiple companies to help find income protection options that may fit your specific needs and budget.

Local Expertise. Proudly serving Nebraska, Iowa, Texas, and Illinois since 2011. We understand the income protection landscape in your state and what coverage options may be available.

Personalized Strategy. Your income protection needs are unique. We take the time to understand your profession, income level, family situation, and risk tolerance.

Multiple Carrier Access. We work with leading disability, critical illness, and life insurance carriers to compare options and help find income protection that may fit your situation.

Secure Your Financial Future Today

Don’t leave your family’s financial well-being to chance. The unexpected can happen to anyone, but with the right planning, you can help safeguard your livelihood. The experts at Trek Insurance Solutions are here to help you navigate your options and build an income replacement strategy that may fit your budget and lifestyle.

Call: 888-960-0442

Income Replacement Insurance | Disability & Critical Illness | Trek Insurance Solutions