Disability Insurance

Your most important asset is not your home, your car, your jewelry or other possessions; it’s your ability to earn a living.  Think about it; all of your plans for the future, from buying a home to putting your kids through college to building a retirement nest egg, are based on the assumption you will continue to earn a paycheck until you retire.  What would happen if those paychecks stopped? That is where disability insurance comes in.  Disability insurance provides an income to you and your family if you are unable to work because of illness or injury.
You are 7 to 10 times more likely to suffer an incapacitating illness or injury than premature death. Think about how much you earn in a year and what that would be over a lifetime.  The financial consequences of a lengthy disability could literally cost you millions.  A twenty five year old individual who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in future earnings.  You don’t hesitate to insure your home, car and other valuable possessions, so doesn't make sense to insure something that is much more valuable than all those things?
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In addition to replacing your income, disability insurance can pay the fixed overhead expenses of your business, pay off a commercial loan and fund a retirement program.  There is a disability policy available to address each of these specific needs.  

Figuring Out Your Needs

Need some assistance with figuring out your disability insurance benefit amount? Try the Disability Income Calculator.
Click to learn more about disability insurance and receive a quote