At Sprik Financial, we believe retirement planning is not only about building wealth for the future—it’s about protecting the income that makes that wealth possible. Disability insurance provides critical financial security if an illness or injury prevents you from working, ensuring your lifestyle, retirement goals, and legacy remain intact. Whether you’re in Sioux Falls or working with us virtually from across the country, our team helps you prepare for the unexpected with customized protection strategies.
Your ability to earn an income is one of your most valuable assets. Without proper protection, a disability could:
Reduce or eliminate your income stream.
Put your retirement savings at risk.
Increase the likelihood of financial strain on your family or business.
Force difficult decisions about selling assets or changing your financial goals.
Disability insurance safeguards against these risks, replacing a portion of your income and providing peace of mind that your financial plan will stay on track even if life takes an unexpected turn.
A comprehensive financial plan also considers the possibility of long-term or extended care needs. Extended care coverage helps protect your assets from the high costs associated with:
In-home health services.
Assisted living facilities.
Nursing home care.
By incorporating extended care protection into your plan, you create financial stability for yourself and reduce the burden on your loved ones.
Sprik Financial works with multiple insurance carriers to design solutions tailored to your needs. These can include:
Individual Disability Insurance – Replaces a portion of your income if you’re unable to work due to illness or injury.
Business Overhead Expense Coverage – Helps business owners keep operations running if they can’t work.
Group Disability Plans – Offers employers a valuable benefit for employees.
Long-Term Care & Extended Care Strategies – Protects your retirement portfolio from the financial strain of long-term care.
Products available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality.
Our disability insurance and extended care strategies are designed for:
Individuals & Families – Protecting household income and financial stability.
Business Owners & Executives – Ensuring continuity of business operations and income.
Farmers & Ranchers – Safeguarding income and assets tied to agricultural operations.
No matter your profession or stage of life, disability insurance is an essential safeguard for your financial future.
Life is unpredictable—but your financial plan doesn’t have to be. At Sprik Financial, we help you identify risk factors, design income protection strategies, and build a balanced plan that ensures stability no matter what the future holds.
Protect your income. Protect your future. Contact Sprik Financial today to explore disability insurance and extended care planning.