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While many people will purchase life insurance because they are worried about providing income in the event of an untimely death, more people need to be concerned with the risk of a disability.
Facts to think about:
- One in five Americans will experience a long-term disability during their working years.
- Disabilities lasting more than 90 days tend to last for many years.
- Every 30 seconds someone files for bankruptcy as a result of a serious medical problem.
- Among those whose illnesses led to bankruptcy, nearly 76% had medical insurance at the time of discovery of the illness.
Individual Disability Insurance is protection for your lifestyle
Do you know what your biggest asset is? Your ability to earn an income is your biggest asset. It is not your home, your retirement plan or your business. All of these depend on your income. If a sickness or injury causes you to become unable to work for an extended period of time, your lifestyle will be dramatically affected. Your greatest asset is your ability to earn a living and it needs to be protected. We insure our assets--our cars, our houses, our businesses and even our lives. Your income is even more important because your entire lifestyle is paid for by your work. Individual disability insurance, also known as disability income insurance or long term disability insurance is the most effective way to protect your lifestyle and income.
"It Won’t Happen To Me"
Like most of us, you might think of a disability as something that happens to other people. But simply believing “it won’t happen to me” doesn’t mean at some time in your life you won’t be faced with a disabling illness or injury. Becoming too sick or too hurt can happen to anyone at any time.
The Problem
Becoming too sick or too hurt to work is one of the most serious problems you and your family could ever face. If you should suffer a severe injury or illness, you could lose the income that provides you and your family with a home, food, transportation, clothes and other necessities. Sometimes a disability is short term, and a quick return to work is possible. But if an injury or illness causes a long-term disability, often there are additional costs including long-term care and the extra assistance needed to help your family function in your absence. This could greatly increase the financial burden on your family. If you become too sick or too hurt to work, the question is: Where would the money come from?
The Solution
An income protection plan can help provide security for your family if something should happen to you. An ideal plan for income protection is customized to your circumstances, portable, flexible and permanent. We can design a plan that fits your budget, compare rates from top rated disability insurance carriers and help you through the underwriting process to acquire the individual disability income insurance protection you need. Simply complete a free and confidential disability insurance quote request form or call us today.
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