Occupation-Specific Disability Insurance

Ensure that your income is protected, no matter what life brings.

Protect what matters most.

Refuge can help you be prepared, no matter what.

Nearly half of the one million Americans who filed for bankruptcy protection last year cited unexpected illness or injury as the cause.

1 in 4 of today's 20-year-olds will be become disabled at some point in there career, according to the Social Security Administration.

10% of disabilities are due to injury, while 90% of disabilities are due to illness.

1 in 4 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65.

Own-Occupation Coverage

We've helped thousands of dentists and medical professionals secure coverage. We know your industry and understand your needs.

Student + Resident Discounts

We make sure you don't miss any of the discounts that are available to students and residents.

Stress-Free Policy Signing

Our job is to make this process easy for you. We will walk you through each step, and answer any questions you have along the way.