Disability Insurance
|
“I’ve got my life insurance and health insurance in place, but do I really need to look at disability insurance? After all, I’m in great health right now.” |
One of the most overlooked essential items of insurance coverage is disability insurance. While we all know that someday we are going to die no one expects to ever become disabled. Statistics, however, show that a 35 year old man is 4.1 times more likely to suffer a disability that lasts 90 days or more prior to age 65 than he is to die before that time. For women these odds are even higher*
Your Chances of a Long-Term Disability Occurring Before Age 60
(lasting 90 days or more)*
|
Present
Age |
Chance Of
Suffering At Least
One Disability |
Approx.
Odds |
Average
Duration |
|
30 |
33.1% |
1 in 3 |
32 months |
|
40 |
29.1% |
3 in 10 |
42 months |
|
50 |
22.6% |
5 in 22 |
50 months |
|
60 |
10.6% |
1 in 10 |
54 months |
Whether it’s due to an accident, sickness or disease a disability will impact your ability to produce an income that will sustain you & your family. Disability historically is the leading cause of foreclosures in the US. Disability insurance establishes a monthly amount of money that will be paid to you in the event of a qualifying disability. Even though California has their short term disability program, you can’t depend on the state or federal government to provide the necessary income to meet the expenses that you will face. Disability insurance could very well be the difference between your family financially surviving a disability or not.
We work with all of the major disability insurance players and have the ability to search to find the company that will best meet your needs. Contact us today to speak with one of our professionals or for more accurate info complete the form below.
Online Disability Insurance Quote Request Form
Disability Insurance Powerpoint Presentation
Valuable Disability Insurance Websites
DI Broker
Disability Insurance Services
Guardian Life
Assurity Life
Mass Mutual
Met Life
Standard Life
Union Central | 
