Income Protection

Protect your current

and future income.

We insure assets like our homes and cars. But often, we overlook our biggest asset, our ability to earn a salary.

No one ever expects to become sick or disabled, but the fact is it happens to one out of three people. So what if it happens to you and you’re out of work for a year or two — or even permanently?

Could you support your family and maintain your current lifestyle without a steady paycheck? Could you continue contributing to your 401(k)? Or what if, after you retire, a drop in the stock market reduces your investment-based income?

Tier One Capital of Georgia, LLC has a variety of insurance solutions to protect your expected earnings.

$3.4 Million

The amount of income you could lose if you’re currently 40 years old, earning $150K per year, and have a disabling health event at the age of 56.

Let us show you how to protect your expected earnings. 

Disability Insurance

Employer-provided disability insurance sounds good but can leave you underinsured. Frequently, these policies don’t cover as much as you’d expect—especially if you’re in a high-income bracket or count on bonuses or commissions. Most will only cover up to a certain amount of your salary and don’t include income expected from bonuses or commissions. You will also pay income tax on money you receive from this type of disability claim, further reducing the amount you’ll have to live on.

By getting your own disability insurance, you can ensure all your anticipated income is covered, including bonuses and commissions. And the money you receive from a claim will be tax free, as long as you don’t deduct the policy premiums on your tax returns.

If you ever need to make a disability claim, you shouldn’t have to worry about money on top of an illness or injury. We’re happy to look over your current policy to see if you have the right amount of coverage.

Retirement Contribution Insurance

If you are unable to work, would you still be able to contribute to your retirement accounts? Retirement contribution insurance lets you continue building your retirement savings up to the age of 65.

Permanent Life Insurance

Permanent life insurance provides a volatility buffer for people who rely on investments for their retirement income. That’s because permanent life insurance policies maintain their value regardless of market fluctuations. Instead of eating into your capital, you can borrow against your permanent life insurance to supplement your income until the market recovers – without incurring any additional taxes.

Tier One Capital of Georgia, LLC offers a wide range of insurance solutions.

Ask us about:

Life Insurance Medicare Supplementals Retirement Plan Protection Mortgage Protection Long-term Care Business Insurance Infinite Banking Annuities Health Insurance

Learn more about the wealth-building power of

Let us show you how to protect your future and keep more of the money you make.

What our clients say....

picture of man - Ted Rykoski
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“I got to experience Howard’s compassion and dedication for his clients firsthand when he diligently searched for affordable, comprehensive life insurance for me. Due to my complicated medical history, my own search only came up with limited and expensive coverage. Howard impressed me with his empathy and determination. Howard is a real mensch, someone of integrity and honor, who I highly recommend.”

Tier 1 Capital mark
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When I decided to review my life insurance policies, I called Howard. He suggested a new policy which provided 50% more coverage for approximately 60% of my existing premiums. He also came up with a 20-year strategy to protect my wife and children where, as my obligations decrease, so will my coverage and premium payments. We all work hard to create a good life for our families. Howard placed my coverage with a quality insurance company that will provide me with peace of mind.”

picture of man -Aaron Thomas
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“I went to Howard for my first life insurance policy. Then I had a child and bought a new home. So I went back to make sure, if something were to happen to me, my wife could keep our home and my daughter could go to college. Howard is easy to like and he genuinely cares. He’s good people. He took the time to walk me through the policy and advised me on what I needed and what I didn’t need, regardless of if it benefitted him. Why would anyone buy insurance online when someone like Howard is there to help?”