Disability insurance protects your income in the event of your disability. With disability insurance you can have peace of mind, knowing your income is protected.
Many people understand the need, and insure themselves from theft, fire and the risk of death… But too often they are leaving an even greater risk totally unprotected, the risk of disability.
Even if you have group disability at work, it may not be enough. Because occupations and incomes vary widely, you’ll want a policy designed for you. Please contact us to learn more, and get your no-cost, disability insurance quote. (228) 875-5545 or contact us to request a financial consultation.
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Financially, owning disability insurance makes sense and cents. You’ve invested time and money into your career. Why not protect your income?
Consider these disability facts:
Unfortunately, you can’t count on luck. It’s better to be prepared. In insurance terms, disability insurance will replace a portion of your income should become disabled. You can protect your standard of living in the face of all-too-common events, such as a serious illness or an accident.
Professionals such as medical specialists and physicians will want to consider long-term disability insurance with a pure own-occupation definition of total disability, with medical specialty language to age 65. And, doctors may choose to extend coverage buy purchasing a graded lifetime extension benefit period offering lifetime protection.
Simplified Issue Disability Insurance plans specifically are designed for employed persons with annual incomes under $40,000.
This product features simplified issue underwriting, and requires no exams or labs on the part of the applicant, allowing for the insurance company to heavily discount the premiums because of the substantial savings from the lack of usual underwriting costs.
Think of all of the things your paycheck enables you to do. What would you do if you lost your ability to earn an income?
Disability insurance helps you protect the things you love…
If you weren’t able to work, could you support yourself without your paycheck? Would your family or loved ones be able to live comfortably without your income? Chances are the answer to both questions is no.
Income is essential for almost all of us. And that’s why you have to protect your paycheck. A sensible place to start is with life and disability insurance. These benefits are easy and affordable ways to protect your income, and moreover, to provide for your loved ones in the event that something should happen to you.