Life & Disability Coverage to Protect Your Business, Family & Legacy
Secure your income, safeguard your family, and preserve your business with tailored life and disability insurance.
Life Insurance & Disability Insurance
As an entrepreneur or business owner, your greatest asset may be yourself. At York Insurance Agency, we understand the financial ripple effect that illness, injury, or death can cause—both in your personal life and in your business. That’s why we create life and disability insurance programs designed to protect your income, your legacy, and the people who depend on you.
Why Choose York for Life & Disability Insurance?
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Deep Understanding of Business Owner Needs: We know that your income supports both your personal and business obligations — so we plan accordingly.
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Tailored Benefit Structures: We assess your financial situation, debts, business obligations, and personal goals to recommend the right mix of term, permanent, or group policies.
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Strong Carrier Access & Custom Underwriting: We leverage relationships with carriers that specialize in high net worth, simplified issue, guaranteed issue, or underwriting flexibility.
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Local Knowledge: Differences in state law, taxation, licensing, and plan design matter in Colorado and Texas — we structure your plan to comply and optimize for local conditions.
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Dedicated Support & Review: We don’t just sell policies — we revisit them over time to ensure coverage keeps pace with changes in your business, income, or family status.
How It Works — York’s Process
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Financial & Needs Assessment
We dive into your income streams, debts, business liabilities, family commitments, age, health status, and risk tolerance.
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Quoting & Structure Design
We space out term vs permanent, short- vs long-term disability, group vs individual policies, etc., to build a plan that balances cost and peace of mind.
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Carrier Selection & Underwriting Guidance
We present multiple carrier options, help you through underwriting, and choose the policy that offers the best rate/coverage match.
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Ongoing Monitoring & Adjustments
Life changes — marriage, new property, income increases, business changes. Regular reviews keep coverage up to date and efficient.
Our Disability & Life Solutions
Life Insurance — Term & Permanent
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Term Life: Affordable protection for a defined period — good for business loans, income replacement, mortgage coverage.
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Permanent Life (Whole / Universal): Builds cash value over time and provides long-term protection, useful for estate planning, legacy, or business succession.
Long-Term Disability Insurance
If you become unable to work due to serious illness or injury, this coverage replaces a portion of your income. We help business owners set up policies that align with your financial obligations—mortgages, business liabilities, lifestyle—to prevent gaps.
Short-Term Disability Insurance
For temporary injuries, surgeries, maternity leave, or other short-term disruptions, this type of policy ensures cash flow continues while you recover. Ideal when business cash flow depends on your personal presence.
Group Disability
If you have employees, offering group disability benefits helps attract & retain talent. We can design plans that suit your business structure, payroll, and budget.
Business Continuation & Key Person Insurance
If your business depends heavily on one or few individuals, key person life/disability insurance ensures the company can continue operations, pay debts, or replace that person without financial stress.
Buy-Sell Agreements
For businesses with partners or shareholders: life/disability policies that trigger buy-sell funding help facilitate smooth transitions in ownership in the event of death or disabling injury.
Get a Free, No-Obligation Quote Today
Don’t leave what matters most to chance.
Protect your income, your business, your loved ones. Contact York Insurance Agency to create a life & disability plan personalized for your needs.
“As a small business owner, my income supports both my company and my family. York Insurance helped me structure a life and disability plan that protects everything I’ve built. Knowing that my family and business are covered no matter what happens gives me true peace of mind.”
David S., Business Owner, Lakewood, CO