TROUT INSURANCE SERVICES
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Disability Insurance

Disability Insurance

Your most important asset is not your home, your car, your jewelry or other possessions; it’s your ability to earn a living.  Think about it; all of your plans for the future, from buying a home to putting your kids through college to building a retirement nest egg, are based on the assumption you will continue to earn a paycheck until you retire.  What would happen if those paychecks stopped? That is where disability insurance comes in.  Disability insurance provides an income to you and your family if you are unable to work because of illness or injury.
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You are 7 to 10 times more likely to suffer an incapacitating illness or injury than premature death. Think about how much you earn in a year and what that would be over a lifetime.  The financial consequences of a lengthy disability could literally cost you millions.  A twenty five year old individual who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in future earnings.  You don’t hesitate to insure your home, car and other valuable possessions, so doesn't make sense to insure something that is much more valuable than all those things?
​

In addition to replacing your income, disability insurance can pay the fixed overhead expenses of your business, pay off a commercial loan and fund a retirement program.  There is a disability policy available to address each of these specific needs.  

Figuring Out Your Needs

Need some assistance with figuring out your disability insurance benefit amount? Try the Disability Income Calculator.
DISABILITY INSURANCE CALCULATOR
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Click to learn more about disability insurance and receive a quote
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Trout Insurance Services

Monday-Friday
9:00am - 5:00pm & by appointment


​Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787  
Ph: 828.279.4681
​
Fax: 1.888.221.4842
​

[email protected]
Trout Insurance is an Independent Insurance Agency Based in WNC. 
Privacy Notice Statement  | Privacy Policy
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“We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or call 1.800.Medicare to get information on all of your options.”
Trout Insurance is an independent authorized agency licensed to sell and promote products from Blue Cross and Blue Shield of North Carolina (Blue Cross NC). The content contained in this site is maintained by Trout Insurance. Blue Cross and Blue Shield of North Carolina is an independent licensee of the Blue Cross and Blue Shield Association. ®, SM Registered marks of the Blue Cross and Blue Shield Association.”
  • Insurance
    • Home & Auto Insurance >
      • Home & Auto Intro
      • Travelers - Customer Services
      • Hartford - Customer Services
      • Nationwide Customer Service
      • National General Customer Service
    • Health Insurance >
      • Health Insurance 2026
      • ACA 2025 Checklist
      • Blue Cross Blue Shield Customer Services
      • Aetna/CVS Customer Services
    • Medicare
    • Accident & Hospital >
      • Accident Plans
      • Critical Illness
      • Long-Term Care
      • Disability Insurance
    • Pet Insurance
    • Life Insurance
    • Travel Medical and Trip Protection
    • Dental and Vision
    • Employee Benefits
    • Business Owners >
      • Group Health Insurance
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Short Term Health
  • Trout Team
    • Our Story
    • Dave Trout
    • David Hanson
    • Idelle Davids
    • Linnea Conway
    • Jan Trout
    • Steve Dillingham
  • Resources
    • Employee Success
    • Fifty Plus
    • Fixing the ACA "Family Glitch"
    • Medicaid Expansion
    • Client Center
    • Newsletter
    • Thank You
    • Reviews
    • Blog
    • Articles >
      • Fine Homes WNC
      • Privacy Policy
      • Insurance Partners
      • No Income Cap
      • ACA Income Verification
      • BCBS Online Setup
      • APTC Income 2023 & Tax Form 1040
      • Prior Agents
      • Lost Subsidy
  • Community
    • WNC Strong
    • Fishbowl- Yellow Mug
    • Built to Last
    • Candlelight Stroll
    • Music on Main
    • Goombay & YMI
    • Weaverville Primary Spring Fling
    • 50+ WNC Articles
    • Understanding Medicare 2024
    • Mural on Main Street
    • Alignment's 5-Star Switch
    • YMI Winter Coat Drive
    • Employer Networking w/ Just Economics
    • Blue Ridge Pride Festival
    • Medicare Seminar
    • Art in Autumn + MANNA
    • Western Women's Business Center Conference
    • Back to School
  • Contact Us