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 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 ProfileLenny Trujillo
Senior Planning Consultant | CLDP | Licensed Insurance Agent
Certified Legal Document Preparer (CLDP) · Licensed Insurance Agent
For more than 25 years, Lenny has helped Arizona families sit down at the kitchen table and finally make sense of retirement, trusts, and what happens to everything they've worked for. A Certified Legal Document Preparer and licensed life and health insurance agent, he walks clients through revocable living trusts, special needs planning, powers of attorney, and insurance-based asset protection in plain English. Clients consistently describe him as patient, warm, and genuinely interested in their story, the kind of advisor who'll pause the paperwork to hear about the grandkids before getting back to the signatures.
View ProfileRalph Abate
Senior Planning Consultant | Licensed Insurance Agent
Licensed Insurance Agent
Drawing on more than 30 years in insurance and retirement-income planning, Ralph structures tax-efficient wealth-transfer and protection solutions for RJP clients. His analytical approach and coaching style help households understand complex options and make informed decisions.
View Profile
Client Testimonials
Common Income Protection Insurance Questions
Answers to the questions Arizona families ask most about income protection insurance.