The most powerful protection strategy is the one you understand.
Insurance doesn’t have to be confusing. At Vanquish, we break down policies into real-life logic — so you can make informed decisions that protect what matters.
Yes. Most group LTD plans are limited and inflexible. They often:
What Vanquish Recommends:
A personal, portable Individual Disability Insurance (IDI) policy that matches your full income picture and moves with you — no matter your industry.
With IDI, most high-earning attorneys can protect up to 60–70% of their income, tax-free.
For incomes over $300K–$500K, Vanquish offers stacked policies that can reach $100K+/month in total benefits.
What Vanquish Recommends:
Start with IDI, then layer on High-Limit Supplemental Disability Insurance to reflect your full compensation — salary, equity, bonuses, and beyond.
Own-occupation means your policy pays if you can’t perform the specific duties of your career — even if you’re able to work in another capacity.
Example: A litigator loses their voice. They can still consult, but they can’t try cases. Own-occupation coverage still pays. A surgeon loses dexterity. A founder loses speech. A creative director suffers cognitive fatigue. They might still work — but not in their primary role.
What Vanquish Recommends:
Ensure your IDI policy includes true own-occupation language, not watered-down definitions like “any gainful occupation.”
Without a funded Buy-Sell Agreement, your business or firm may struggle to buy out your shares — leading to internal tension or legal gridlock.
What Vanquish Recommends:
A Disability Buy-Sell Insurance policy that gives your business or partners the liquidity to buy you out cleanly and respectfully if you can’t return.
If your income stops, so does the machine: payroll, rent, vendors, and brand value can all collapse without a plan.
What Vanquish Recommends:
Not compared to what’s at risk. Most policies cost 1–3% of the income they protect — and can replace millions in lost earnings.
Example: An attorney earning $500K might pay $10K/year to protect $12M+ in future income. A founder earning $500K might pay ~$10K/year to protect $12M+ in future income.
What Vanquish Recommends:
Use our guided quote tool or book a confidential call to identify the most efficient policy structure for your goals.
Premiums rise with age, and your health can change in a moment. Even common diagnoses like migraines, anxiety, or hypertension can lead to coverage exclusions.
What Vanquish Recommends:
Lock in your rate, benefits, and eligibility while you’re healthy. You can grow your coverage later with Future Increase riders.
Most Vanquish clients choose policies that pay until age 65 or 70. But benefit periods can be customized based on your career plans, retirement age, or succession strategy.
What Vanquish Recommends:
We’ll walk you through long-term protection models aligned with your personal and business timelines.
Yes — but you may face exclusions or rated premiums depending on the condition. Some attorneys qualify for limited benefits or need specialized carriers.
What Vanquish Recommends:
Don’t disqualify yourself. We’ll run a pre-underwriting check to see what’s available — no commitments, no disclosures to carriers.
We’re here to provide the answers you need.
Understand how to shield your firm from the unexpected.
