You think it will never happen to you, but the startling fact is that many of us face the risk of becoming disabled – whether temporarily or permanently – and not be able to perform our job. Sure, you might have a rainy day fund built up that will get you by for a while... maybe a few months or even a couple years... but what happens when that is gone?
Disability insurance helps replace a major portion of your paycheck should you not be able to work. It’s that little extra security knowing if something happened, you still will receive a monthly income. You can choose a short-term policy that offers immediate benefits payments and a lower premium, or you can go with a long-term disability plan that would not start distributing funds until you had been disabled for a few months.
If you’re considering disability insurance, the best time to buy is sooner rather than later. A disabling injury can happen at any time, no matter how young or old you may be. Plus, premiums are based on your age at the time you buy, so waiting will likely cost you more. It makes perfect sense to get Disability Insurance as soon as possible, to avoid age-related cost increases.
We have agents standing by to help you with any insurance questions you have.
Call 800-747-3241 or email us directly.