Insurance Product
Your health and income are your most valuable assets. But when illness or injury strikes, the financial burden can be overwhelming. Long-Term Disability Insurance provides a critical safety net, offering income replacement for those who are unable to work for an extended period due to a disability.
At Sova Insurance, we help individuals secure affordable, customized Long-Term Disability Insurance policies that protect your financial well-being, so you can focus on recovery and peace of mind—knowing that you’re covered, even when life takes an unexpected turn.
Long-term disability coverage to protect your income.
Safeguard your financial future with long-term disability insurance, providing ongoing income protection if illness or injury prevents you from working for an extended period.
Coverage Options
Long-term disability insurance to protect your future.
Ensure lasting financial security with long-term disability coverage that replaces income during extended periods of illness or injury, keeping your future on track.
Income Continuity
Ongoing income replacement if illness or injury prevents work.
Comprehensive Coverage
Covers serious illnesses, injuries, and qualifying mental health conditions.
Own-Occupation Benefits
Applies when you can’t perform your specific profession.
Custom Benefit Options
Tailor benefit amounts, waiting periods, and coverage duration.
Smart protection. Built for peace of mind.
Get the coverage you need to stay financially secure, no matter what life brings.
Smart coverage.
Florida-ready protection.
Average Monthly Premium : $50-$150
The cost of long-term disability insurance depends on several factors, including your age, occupation, income level, health history, and the amount of coverage you choose.
On average, long-term disability insurance premiums range from 1%–3% of your annual income. Basic plans provide partial income replacement, while adding enhanced features—such as higher benefit amounts, longer benefit periods, or cost-of-living adjustments—can increase your premium but offer greater financial security if you’re unable to work for an extended time.
We compare policies from top-rated insurance providers to help you find reliable long-term disability coverage at the most competitive price, tailored to your needs and budget.
Get peace of mind knowing your income is protected—no matter what life brings.
How to Get the Best Long-Term Disability Insurance
Select the right long-term disability policy by assessing your income needs, comparing benefit durations and waiting periods, and choosing coverage that safeguards your financial future.
01
Assess Income Needs
Determine how much income you’d need if unable to work due to illness or injury.
02
Compare Carriers
Evaluate different insurers to find the best benefits and rates.
03
Choose the Right Features
Select benefit amounts, waiting periods, and coverage length that fit your goals.
04
Work With an Expert
Experienced agents help avoid gaps and ensure your income is protected.
Get Coverage with SOVA Insurance
- Based in Florida, specializing in contractors and small businesses
- Independent agency—we compare multiple carriers for the best rates
- We speak English, Russian, and Ukrainian to make insurance easy to understand
- Personalized service—you’ll work directly with a licensed agent who guides you through every step
