Protect Your Paycheck: Secure Your Income If Sickness or Injury Strikes.
If you can't work due to illness or injury, how will the bills get paid? We provide clear, affordable Disability Insurance to ensure your income keeps flowing and your family remains secure.
Replaces Lost Paycheck
Cover Monthly Bills
Protect Your Savings
Financial Stability
Secure Your Income Protect Your Family’s Lifestyle — Even If You Can’t Work.
Disability insurance is protection for your most valuable asset: your ability to earn an income. It ensures a sudden illness or injury won't force you to drain your retirement or savings just to cover the mortgage and daily needs while you recover.
Income Protection That Covers Your Living Expenses
Don't let a temporary or long-term inability to work threaten your home or your family's financial stability.
💵 Paycheck Protection
Replace Your Salary. Get a monthly benefit to help maintain your family's standard of living if you become disabled and can’t work.
🏠 Cover Your Major Bills
Mortgage, Rent, and Utilities. The benefit is paid directly to you to cover your biggest monthly obligations, keeping your home secure.
⚕️ Illness &
Injury Coverage
Not Just Accidents. Most claims are due to illness (like cancer or back problems). Our plans cover both sickness and injury.
Why Families Trust Glenn Castillo
We Know: Disability Insurance is Protection for Your Life. Your income is your most valuable asset. We help you design coverage that fits your specific needs—whether you are self-employed or looking to supplement group coverage. Our Promise: Clear policy details, Competitive rates, and a benefit that delivers when you cannot earn your paycheck.
Why Workers and Family Trust Glenn Castillo
Many believe their company plan is enough. We ensure you have the right coverage to truly replace your income. We assess your unique financial picture—from mortgage payments to living expenses—to craft a plan that provides maximum income protection for a price you can afford. We don't just sell insurance; we protect paychecks.
Income Protection Specialists
Clear & Competitive Rates
Easy, Direct Enrollment
Paycheck Security Guaranteed
Your greatest asset is your income — it deserves solid protection against the unexpected.
Get The Right Disability Insurance to replace your income.
Securing your paycheck is simple and fast. Here is how we work:
Quick Application
Apply in just a few minutes. Get protected faster than ever.
Personalized Quote
See how much income replacement you qualify for right away — and compare options clearly.
Tailored your Coverage
Choose the benefit amount and waiting period that best fits your budget and financial needs.
Affordable Peace of Mind
Protection that works by covering unexpected expenses when you need it most.
THOUSANDS OF WORKERS HAVE ALREADY CHOSEN TO PROTECT THEIR BIGGEST ASSET.
DISABILITY INSURANCE IS CRITICAL FOR ANYONE WHO RELIES ON A PAYCHECK. DON'T WAIT FOR SICKNESS OR INJURY. LOCK IN YOUR HEALTH AND OCCUPATION RATING TODAY FOR THE BEST RATES.
Income Replacement
Customizable Benefit Period
Tax-Free Payouts (Typically)
Dedicated US Support
Who's This Perfect For
Full-Time Employees
Self-Employed Professionals
Parents With Monthly Obligations
Workers With High Living Costs
People With Limited Savings
Homeowners & Renters
STILL NOT SURE?
Frequently Asked Questions
Find answers to our most frequently asked questions here.
❓ What does disability insurance actually cover?
It provides monthly income if you can’t work due to illness or injury. It helps cover rent, mortgage, utilities, groceries, and other living expenses.
❓ Is disability insurance only for accidents?
No. Most disability claims are caused by illness, such as cancer, heart conditions, back issues, and chronic illnesses—not accidents.
❓ How much of my income can this replace?
Typical plans replace 40%–70% of your income, depending on the benefit amount you choose.
❓ Is the payout tax-free?
If you pay the premiums with after-tax money, benefits are typically tax-free. If your employer pays the premium, benefits may be taxable.
❓ How long does the benefit last?
You choose the duration—options range from a few months up to several years, depending on your plan.
❓ What is a waiting period?
It’s the time before benefits start. Common options are 30, 60, or 90 days. Choosing a longer waiting period usually lowers your premium.
❓ Does my job type affect my rate?
Yes. Safer jobs (office work) generally have lower premiums. Higher-risk occupations may cost more.
❓ Why do I need disability insurance if I already have health insurance?
Health insurance covers medical bills. Disability insurance replaces your paycheck—your real financial lifeline.
❓ How fast can I get covered?
Most applications take only minutes, with approval possible within a few days depending on health and occupation details.
Protect Your Paycheck Today. Secure Your Financial Future.
Glenn Castillo The Smarter Way to Secure Your Income and Peace of Mind.
Let's Connect
Get In Touch With Us
Partner with 30 years of proven financial expertise and a legacy of results. Led by Managing Partner Glenn V. Castillo—a trusted industry "Team Builder" featured on ABC, NBC, CBS, and FOX—Castillo Financial Group (CFG) provides the high-level strategy and clarity you need to thrive in today’s complex economy. Secure your future by connecting with a team built on Trust and Knowledge; fill out the form below to start your journey with a partner who delivers results.
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