An affordable personal policy could provide you with a monthly benefit that is income tax free when you pay the premium. We will craft a program designed to meet your needs and budget through listening and understanding your concerns and goals. A variety of leading carriers will compete for your business assuring the most optimal solution is realized.
Although disability insurance is arguably the most important protection one can own, the top 5 Reasons Disability Insurance is not purchased are:
5. Social Security will take care of me.
Fact:Social Security initially denies about 65 percent of all disability claims.
4. I expect to stay healthy.
Fact: Statistics show that 17% of individuals ages 21 to 64 have a disabling illness.
3. It costs too much.
Fact: The average annual cost is typically one to three percent of what you earn.
2. I can always do it later.
Fact: People usually don’t get healthier as they grow older, and coverage will cost more.
1. I can rely on my savings.
Fact: Even if you save 10 percent of your salary, a one-year disability could eliminate many years of savings.
The truth is that during the course of your career, you are three and a half times more likely to be injured and need disability coverage
than you are to die prematurely and need life insurance.
– Health Industry Association of America, 2000
