If you are like the majority of people, you have insurance on your house, your car and other valuable items you own. Individual disability insurance is really a basic concept. It is in essence an insurance product that is designed to replace anywhere from 45 to 60 percent of your total gross income on a tax free basis if a sickness or illness should prevent you from earning an income from your job. If you, a friend or family member want a second opinion on an Individual Disability Insurance Plan, contact Coastal Financial Group to see what we can do for you.