Disability coverage that replaces your paycheck
Income Protection Insurance
If you could not work for months or years due to illness or injury, would your family's finances survive? Income protection insurance replaces your paycheck so your bills get paid while you recover.
Your Paycheck Is Your Most Valuable Asset
If you earn $75,000 a year with 20 years left to work, your future earnings total $1.5 million or more. Protecting that income stream is as important as protecting your home or your car. Income protection insurance pays a percentage of your income if illness or injury keeps you from working. Short-term policies cover the first few months. Long-term policies can pay until retirement age.
You insure your car. You insure your home. But your ability to earn a living is worth more than both combined, and most people leave it completely unprotected.
Why It Matters
About one in four workers will experience a disability before reaching retirement age. Only 43 percent of working Americans carry any disability coverage. The average Social Security disability benefit is around $1,500 a month, far below most household incomes. Without income protection, your retirement savings become your emergency fund, and a temporary disability can permanently set back the rest of your plan. We evaluate your needs, compare carriers, and coordinate the policy with the rest of your insurance and estate documents.
You insure your car. You insure your home. But your ability to earn a living is worth more than both combined, and most people leave it completely unprotected.
Who You Work With
Licensed, Credentialed, and on Your Side
Your plan is only as strong as the people behind it. The advisors below are the licensed agents and consultants who design, place, and service your coverage.
Chris Cohan
CEO | ChFC®, RMA®
ChFC® · RMA® · Series 6, 63, 65 · AZ Life & Health
With over 25 years in financial services and deep Arizona roots, Chris takes a steady, thoughtful approach to wealth and estate planning. As a Chartered Financial Consultant® (ChFC®) and Retirement Management Advisor® (RMA®), he helps individuals and families build, protect, and transfer wealth through personalized strategies.
View ProfileStephen Levin
Tucson Director of Risk Management | Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Stephen brings a background in risk management to his role at RJP, where he helps Tucson-area families protect what they've worked so hard to build. Before transitioning into estate and insurance planning, he spent years in risk-management leadership, learning how to spot vulnerabilities and build strategies that hold up when it matters most.
View ProfileChris Zajdzinski
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
CLU · Series 6, 63, 65 · Fiduciary · AZ Life & Health
With more than 30 years of experience in financial services, Chris is dedicated to helping individuals and families make informed, confident decisions about their financial future. As a Wealth Management Advisor and Fiduciary, he works closely with clients to understand their concerns and offers guidance tailored to their unique needs and priorities. His experience includes retirement income planning, risk management, and estate and legacy planning.
View ProfileRon Tallou
Wealth Management Advisor, Fiduciary
Series 6, 63, 65 · Licensed Insurance Agent
Born and raised in Michigan, Ron developed a strong work ethic and deep appreciation for community values early in life. These formative experiences ignited a lifelong passion for wealth management, ultimately shaping his career in finance.
View ProfileThomas Fryar
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
As a financial services professional since 1978, Thomas has developed risk-managed retirement income and estate-transfer strategies that help clients protect lifetime cash flow, provide for surviving spouses or special-needs family members, and pass wealth efficiently across generations. His four decades in life insurance and planning inform a disciplined, education-driven approach to protecting family assets.
View ProfileDimitri Redwood
Wealth Management Advisor, Fiduciary | Licensed Insurance Agent
Series 7 · Series 6 · Series 63 · Series 65 · Fiduciary · Licensed Insurance Agent
Dimitri works with Tucson-area families on the financial side of estate planning, helping clients think through how to protect what they've built and pass it on the way they want. With six years of experience as an advisor, including time at an investment firm, he brings a practical perspective to every conversation. He takes time to listen first, then walks each family through their options in plain language so they can make decisions with confidence.
View Profile
Client Testimonials
Common Income Protection Insurance Questions
Answers to the questions Arizona families ask most about income protection insurance.