Your income is often your largest asset. If you take what you earn today and multiply it by the number of years you expect to work, you have an idea of the financial security that would be compromised in the case of a disability.
Disability happens.
Disability income insurance replaces a portion of your income if you become disabled and are no longer able to work. Most of us insure our homes and vehicles against risks, but nevertheless, many of us do not insure ourselves against the risk that we might not be able to earn an income due to a an illness or accident.
Although some employers offer group disability income insurance, it should be supplemented with individual disability income insurance, since group policies are usually not portable, and bonus and pension benefits may not be covered.
We offer an individual disability income insurance that does not require medical or financial underwriting. This is a great product for a small business owner or self-employed individual who has the income and the need for the insurance, but cannot prove it on paper.
Interested, or have a friend or client who may be interested? Give us a call at 305-665-4508.
