The right disability insurance coverage at a price that fits your budget
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Peace Of Mind
Think about it. Everything you do financially is based on your ability to earn an income.
If that ability is lost due to sickness or accident, how would your income be affected? How would the bills be paid if there were no savings left? How would you be sure you could pay for your children’s education or meet your retirement goals?
Consider the following statistics:
- About 1 in 3 workers will become disabled for
at least 3 months before age 65.1
- More than 1 in 5 workers will be disabled for
5 years or more during their working careers.2
- The average long-term disability claim lasts 31.2 months.3
- While accidents do play a part in causing disability, 90% of long term disabilities are due to sickness and are not accident related.4
The odds are actually greater of being disabled than of passing away before 65. For this reason, Disability Insurance is a crucial part of your financial protection. You should check at work to see if it is offered as a group benefit. If it isn’t, consider an individual policy.
1, 3 lifehappens.org
You will want to determine the following:
Your basic need – generally 60% of your gross income
How long before you would need the benefits to begin (this is called an elimination period).
How long the benefits should last – depending on your occupation and health, this could be between 2 to 10 years or until you reach age 67.
Since 2009, we’ve helped thousands of clients to clearly understand their disability insurance options and be confident they are making the right choice when choosing their coverage.
Working With Us Is Easy
Tell us about your needs. We will listen and clearly explain what options are available for the type of coverage you are looking for.
Get Your Questions Answered
We will answer all your questions and break things down so you can understand and make an informed decision.
Get the right coverage at an affordable price
We will assist you each step of the way in getting the right coverage at a price that fits your budget, so you will have confidence and peace of mind that you have made the right decision.