Chapter 1
This is what you are building.
Projected income through your planning age
Illustrative annual income trajectory
Interactive income journey
See What Your Future Income Is Worth
In a few minutes, estimate the income your career could generate—and what an interruption to your ability to work could mean for the life it supports. Nothing you enter leaves this page.
Start here
Build your income journey
Choose whether you have employer coverage to begin.
Educational illustration only. This is not an insurance quote, recommendation, eligibility determination, or representation of a specific policy or carrier. Results use assumptions—not health or underwriting information.
Chapter 2
Now imagine your work pauses.
A serious illness or injury can interrupt earnings long before it changes the plans your household still needs to fund. Green is income that continues; gray is the modeled income that does not arrive.
Modeled income interrupted over six years
Chapter 3
Recovery happens. The bills do not wait.
The model uses three difficult years followed by a gradual three-year return—rather than assuming a career instantly resets.
Income received Modeled interruption
Chapter 4
Your employer benefit may have a ceiling.
Group coverage can be valuable, but base-salary definitions, monthly caps, taxes, and portability can materially change what reaches your household.
The employer-benefit estimate assumes the employer paid the premium and applies a simplified 25% tax adjustment. Actual taxes, plan terms, offsets, and eligibility vary.
Your income-protection journey
A modeled six-year interruption could put approximately of career income at risk.
Your income pays the mortgage, funds retirement, supports your family, and gives you choices. Protecting it isn't expecting the worst—it's keeping one health event from rewriting what you've built.
Educational illustration only. This is not an insurance quote, recommendation, eligibility determination, or prediction.
How this estimate works
The illustration projects gross earned income from age through planning age using a annual growth assumption.
The modeled interruption begins five years from now and uses three years at 30% of projected income followed by a gradual three-year recovery. If employer coverage is selected, the comparison applies the entered percentage and monthly cap plus a simplified 25% tax adjustment.
Actual disability, recovery, taxes, plan terms, offsets, eligibility, underwriting, and policy performance vary. The result is educational and is not individualized insurance advice.
I'm Mark Enis. I built this journey to make the income behind your financial life easier to see before we ever discuss coverage.
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