DISABILITY INSURANCE

What is your greatest asset?

Your home? Your car?

It is said that one's greatest asset is one's ability to wake up in the morning and go and earn a living.

What is disability insurance?

Disability insurance pays you a monthly income if you cannot work, due to accident or sickness. It is also known as “income replacement insurance.” Payments begin after a stated waiting period and continue until recovery or end of the benefit period, whichever occurs first.

Do I need disability insurance?

If you work and earn an income, and depend on this income to maintain your lifestyle, you definitely need disability insurance.

While life insurance proceeds look after your family when death strikes, disability insurance provides you and your loved ones with a monthly income to live on, in case of disability. There is a greater chance of suffering a disability of at least 90 days than dying. While death is inevitable, disability is more probable at any given age.

When should I purchase disability insurance?

NOW.

Once you develop an ailment—e.g. a knee problem or back injury—it is difficult to qualify for disability insurance, or the policy may be issued with an exclusion.

The earlier you start, the lower the premium.

How do I purchase disability insurance?

Contact me for an affordable, tailor-made plan.