Disability Insurance

Your most important asset is not your home or car, your jewelry or other things. It's your ability to earn an income. All of your plans for the future are based on the assumption you will be earning a paycheck until you retire. But what would happen if your income stopped? That's what disability insurance is for. It provides an monthly checks to you and your family if you are unable to work because of illness or injury.

Your income is typically your largest asset. Think about how much you earn in a year and what that would be over a lifetime. The financial consequences of a long period of disability could literally cost you millions. A 25-year-old worker who makes $50,000 a year and suffers a permanent disability could lose $3.8 million in future earnings. You insure your home and car and other possessions, so why wouldn't you insure something that is more valuable than all of those items?

If you're still not convinced, how long would you last without your paycheck before it would be difficult to pay for your day to day expenses. The LIFE Foundation conducted a study that found that 70 percent of working Americans couldn't make it one month before financial difficulties would set in. More than one in four Americans wouldn't make it a week. Disability insurance provides you with a source of income to help make ends meet while you're unable to work while Life Insurance replaces that income if you were to pass away.

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