Disability Insurance

Your ability to earn a sizable income is your biggest asset, yet it is often taken for granted. Traditional company-paid disability plans are often unable to meet the income replacement needs of higher incomes in the event of a disability. We provide proprietary and institutional products to deliver high monthly income amounts to insure beyond what is available with traditional disability products.

Protect your income

We insure lost income which often includes incentive and equity-based compensation.

We deliver proprietary and institutional disability coverage.

Coverage Amounts

Insure your income to protect you and your family with a disability benefit - monthly disability benefit amounts up to $50,000+.


Insure lost income which often includes incentive and equity-based compensation.


Get a quote and preliminary approval within 3 to 5 business days.

Protect your income

Disability Insurance is often the most under insured risk in a financial plan. All successful people, no matter the age, have critical income that needs to be insured and protected from a long-term disability.

How It Works

Quote & Analysis

Gather information on income sources, the insured's physical & mental health background, existing coverage amounts, and duration for the new policy.


Disability insurance exam and application paperwork (including financial documentation).

Issue Policy

Disability policy is issued, premium is paid and the policy is inforce.

Copyright © 2021 TRC Financial. All rights reserved.

TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principle place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to https://mfin.com/m-securities.

(949) 509-2940