Income Protection

If Your Paycheck Stops, Your Family Doesn't.

Disability, layoffs, and illness don't send a warning. PeaceGuard Life builds income protection strategies that replace 60-80% of your salary from Day 1 — so your mortgage, groceries, and dreams stay on track.

Protect Your Income with Fafa (502) 533-7270

Your Biggest Asset Is Your Ability to Earn.

For most families, the ability to work is worth far more than their home, car, or savings combined. Yet it's the least protected asset in America.

1 in 4
Adults will become disabled before retirement
67%
Of bankruptcies are tied to medical issues

Social Security Disability takes 3-6 months to approve and pays an average of only $1,400/month. Most families can't survive on that.

Man with arm in sling loading groceries with his family - income protection keeps life normal after injury

How Fafa Protects Your Paycheck

A multi-layer strategy that replaces income from multiple sources — not just one policy.

Disability Income Rider

If injury or illness prevents you from working, this rider pays monthly income directly to your bank account — tax-free.

  • Own-occupation definition
  • Partial disability coverage
  • Cost-of-living adjustments

Critical Illness Lump Sum

Heart attack, stroke, or cancer diagnosis? Receive a lump sum equal to 6-24 months of salary to cover the gap immediately.

  • No waiting period
  • Use for any purpose
  • Survive 30 days = full payout

Cash Value Emergency Fund

Your whole life policy's cash value acts as a liquid emergency reserve. Borrow against it instantly — no credit check, no approval delay.

  • Funds in 3-5 business days
  • No credit impact
  • No repayment schedule
Healthcare professional with umbrella and money protection graphic - income protection safeguards your financial health
Real Scenario

A Heart Attack at 42 Shouldn't Destroy a Family.

Michael, an electrician in Miami, earned $72,000/year. After a heart attack, he couldn't work for 8 months. Here's how Fafa's plan saved him:

1
Month 1:
Critical illness rider paid $50,000 lump sum immediately.
2
Month 2-8:
Disability rider paid $4,200/month tax-free = $29,400 total.
3
Result:
Family kept the home. Kids stayed in school. Michael recovered without financial ruin.

Your Family Depends on Your Income.
Let's Protect It.

Fafa will calculate exactly how much monthly income your family needs — and build the policy to guarantee it.

Calculate Your Protection Need