APB Financial Architect Independent Insurance Specialist Book Free Diagnostic
African Diaspora Professionals · New York

You send money home every month. What happens if your paycheck stops?

Disability income insurance protects your salary so two families don't collapse because of one health event.

The gap nobody talks about

Most diaspora professionals carry a financial risk they can't see

Your income supports two households. One in New York. One back home. Both run on the assumption that you'll be working next month. A 3-month disability changes everything.

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Your group disability plan covers far less than you think

Employer group plans typically replace 60% of base salary. Not bonuses. Not the RSU income. And the benefit is taxable. A $150k salary becomes $65–70k in real take-home income during a disability.

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Remittances stop when income stops

Your family in Nigeria has no visibility into your income situation. They have payment schedules, school fees, medical bills that don't pause because you had a health event in New York.

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1 in 4 workers becomes disabled before retirement

The Social Security Administration's own data puts the odds at 1 in 4. Most people insure their car and never think about insuring their income — which is the asset that pays for everything else.

AB

Ayodele Peter Boglo — Independent Insurance Specialist

Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.

21 years as Oracle
Principal Consultant
45 countries,
global experience
4 licensed states
(NY, NJ, MD, TX)
∞ independent market
access, no captive
Free · No obligation · 30 minutes

The Financial Resilience Diagnostic

A structured 30-minute conversation that shows you exactly where your financial exposure is — and what it would take to eliminate it. No sales pitch. No pressure. Just a clear picture of where you stand.

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Income protection gap analysis specific to your situation
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Individual disability income policies that supplement your group plan — covering the income gap, structured around your full compensation package including bonuses and equity. Multiple carrier options.
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Market comparison across multiple carriers — not just one
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Clear next step (or confirmation you're already covered)
Book My Free Diagnostic

Or fill out the form below and I'll reach out to schedule.

Start here. Takes 2 minutes.

Tell me a bit about your situation and I'll be in touch within 24 hours.

By submitting this form, you consent to being contacted by APB Financial Architect regarding insurance products and services. Your information is protected and will never be sold to third parties. APB Financial Architect is an independent insurance specialist licensed in New York (license #LA-1904166), New Jersey (license #3004017274), Maryland (license #3003689320), and Texas (license #3533820). Insurance products are not FDIC insured, not bank guaranteed, and may lose value. This page provides educational information only and does not constitute financial advice.

Common questions

What diaspora professionals ask about income protection

Your employer's group plan covers a percentage of base salary, caps out at relatively low benefit amounts, and the benefit is taxable if your employer pays the premium. An individual policy can cover a higher percentage, include non-salary income, and be structured so the benefit is tax-free.
Own-occupation means you're considered disabled if you can't perform your specific occupation — even if you could technically work in another field. This matters most for specialized professionals. It's the strongest definition of disability and available on individual policies.
Individual policies can be structured to pay to age 65, which is the most comprehensive option. Short-term policies might cover 90 days to 2 years. We model the right benefit period in the Financial Resilience Diagnostic based on your expenses and savings.
Yes. Self-employed individuals and 1099 contractors can qualify for individual disability income policies. The underwriting looks at your documented income from tax returns. Several carriers specifically serve professionals with variable or self-employment income.
No. APB Financial Architect is an independent insurance specialist, not a registered investment advisor or financial planner. The services here cover insurance products: life insurance, disability income, annuities, and voluntary benefits. For investment advice or securities, you'd need to work with a licensed investment advisor or broker-dealer. Insurance products are not securities and do not involve investment advice.