The benefits of individual disability insurance

Disability insurance can provide financial protection against the risk of losing your paycheck or income because of a sickness or injury. Qualifying for a policy depends on many factors, including occupation and current health. Explore your options while you’re at your best to ensure you’re covered when you need it most.

Know your individual disability insurance options

Find an individual disability insurance solution that fits your needs

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With one in four 20-year-olds likely to become disabled at some point before retirement*, it’s important to protect against the loss of income with a solution that helps maintain a family’s lifestyle and savings potential by providing funds to help pay ongoing household expenses.

Why New York Life?

There when you need us most.

Financial strength

Over 175 years strong; over $31.9B in surplus.⁺

Mutuality

Needs aligned with yours; we operate for the benefit of our policy owners, not for stockholders.

Human guidance

12,000 professionals across the country to help you get what you need.

Lifelong protection options

Broadest set of solutions for financial preparedness.

^*Social Security Administration, Social Security Basic Facts, 2019

⁺Total surplus, which includes the asset valuation reserve (AVR), is one of the key indicators of the company’s long-term financial strength and stability and is presented on a consolidated basis of the company. NYLIC’s statutory surplus was $25.29 billion and $23.89 billion at December 31, 2023 and 2022, respectively. Included in NYLIC’s statutory surplus is NYLIAC’s statutory surplus totaling $8.93 billion and $8.54 billion at December 31, 2023 and 2022, respectively, and LINA’s statutory surplus of $1.86 billion and $1.65 billion at December 31, 2023 and 2022, respectively. AVR for NYLIC was $4.51 billion and $4.23 billion at December 31, 2023 and 2022, respectively. AVR for NYLIAC was $1.94 billion and $1.89 billion at December 31, 2023 and 2022, respectively. AVR for LINA was $0.12 billion and $0.09 billion at December 31, 2023 and 2022, respectively. Policy owners can view audited statutory financial statements by visiting our website , www.newyorklife.com.