The Importance of Disability Insurance
A disability is a sickness or injury which interferes with your ability to work. According to a Harvard study, 62 percent of all personal bankruptcies in 2007 were due to an inability to pay for medical expenses. The statistics are alarming. Nearly one in four Americans will become disabled before they retire. It’s enough to have to look twice for discarded banana peels and open manhole covers before you walk down the sidewalk. But, it wouldn’t do you much good. The reality is accidents don’t cause most disabilities. Instead, back injuries, cancer, heart disease and other illnesses are usually to blame. And that’s precisely why disability insurance should be a core component of your financial life.
When you fall ill or are injured in an accident, you have enough on your mind without having to worry about where your income will be coming from. With disability income insurance, you may not have to worry at all about financial concerns.
The Cost of Disability Insurance
Disability insurance is one of the most vital pieces of your financial plan. If you have not secured a solid income protection plan through disability insurance, your entire financial future may be in jeopardy.
Supplemental Disability Insurance
The Underwriting Process
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Do not hesitate to give our office a call to discuss your medical history. We will tell you up-front whether or not you are likely to be a candidate for a personal disability insurance policy.
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