About Us

Independent. Carrier-Neutral. Focused on Income Protection.

We've spent 16 years building expertise in one discipline: disability insurance for high-income professionals. We're not tied to any carrier. We don't push products. We analyze contracts, compare options, and recommend what works.

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15+ Years Focused

50 States Covered

5+ Carriers Compared

100% Fully Neutral

Meet the Team

Every conversation you have with us is with someone who does this full-time. No call centers. No generalists.

Phil Neujahr

Senior Partner

Works directly with clients on quote comparison, contract analysis, and policy design.

Toby Lason

Managing Partner

Runs strategy, marketing, and the technology systems that power the agency's operations.

Jack Howard

Insurance Advisor

Specializes in matching coverage to each professional's specific career and income profile.

Chawna Dill

Case Management & Policy Service

Manages case processing, policy service, and ongoing client support from application through delivery.

What Makes Us Different

Most disability insurance brokers are generalists. They sell disability as an add-on to life insurance or other products. We've chosen a different path.

We specialize exclusively in disability insurance for high-income professionals: physicians, CRNAs, attorneys, executives, business owners, and professionals across industries. This narrow focus has created deep expertise in the contracts, carriers, underwriting rules, and claim management that matter most to your situation.

We've helped thousands of high-income professionals secure coverage. We're licensed in all 50 states. We work with every major carrier and have no incentive to favor one over another.

Independence isn't a marketing claim for us. It's operational reality. We're not captive to any carrier. We don't have quotas. Every recommendation we make is backed by detailed contract analysis and a clear explanation of trade-offs.

How We Work

Our process is designed to be efficient for you and thorough on the analysis side.

Assessment

We understand your profession, income, risk profile, and any existing coverage. This shapes which carriers and contract features matter most for your situation.

Quote Comparison

We run applications across the top carriers simultaneously. Each carrier underwrites you based on their standards and limitations. We collect quotes and underwriting feedback in parallel rather than sequentially.

Clear Recommendation

We present side-by-side contract comparisons. Own-occupation definitions. Elimination periods. Benefit periods. Cost-of-living adjustments. We explain the trade-offs and recommend the option that best aligns with your goals and budget.

What We Stand Behind

No Captive Products or Carrier Quotas

We don't receive incentives to favor one carrier over another. Every recommendation is based on contract terms, coverage features, and fit for your situation.

Contract-Level Analysis

Every recommendation is backed by detailed contract review. You'll understand exactly what you're getting and why we recommend it.

Licensed in All 50 States

Direct access to every major carrier from day one. No referrals required. No broker network delays.

Ready to Compare Your Options?

Schedule a free consultation. We'll review your situation and show you what the top carriers are offering.

Request a Quote Comparison (800) 518-1190