Life InsuranceDisability IncomeFamily & Business Protection
I’m Sonia Roby, a licensed insurance producer in Illinois. I help individuals, families, and business owners explore life insurance, disability income protection, and business coverage in clear language—with no pressure.
Book your complimentary reviewFor individuals, families, and business owners who want honest answers about protecting what matters most.
Chicago-area guidance for people and businesses across Illinois.
Ways I can help
We start with what matters to you, then look at options that may fit.
Your paycheck stops. The bills don’t. If a covered illness or injury keeps you from working, disability income insurance can replace a portion of your income to help pay your mortgage or rent, groceries and other everyday expenses. Benefits begin after the policy’s waiting period and are subject to its terms and eligibility requirements.
Explore term and permanent coverage—including options with living benefits—designed around your income, debts, family responsibilities and long-term goals.
If an illness or injury keeps you from working, how would you pay yourself and keep your business running? Disability income insurance may replace part of your income, and business overhead expense coverage may help pay eligible operating expenses. Benefits depend on the product, eligibility and policy terms.
Explore a plan for paying down debt and whether an insurance-based strategy fits your goals. We review costs, funding commitments and tradeoffs before you decide.
Living benefits
Some life insurance policies offer living-benefit riders that may let you access part of your death benefit after a qualifying illness, injury or diagnosis. If you qualify, those funds may help with treatment expenses, household bills or caregiving costs. A hospital stay or nursing-home admission alone does not necessarily qualify; benefits depend on the policy, rider and eligibility requirements.
Riders are optional, may require additional premium or underwriting, and may not be available with every product or in every state. Accelerating benefits generally reduces the policy’s death benefit and cash value, if any, and may have tax or public-assistance implications. Living-benefit riders are not long-term care insurance.
Your next step
A conversation about your priorities. A clearer understanding of your options. You decide what comes next.
Your Protection & Legacy Review
Bring your existing policies, questions and priorities. Together, we identify what is in place, where gaps may exist and which next steps deserve attention.
