Disability Insurance
Disability Income Insurance helps protect your most valuable asset, your ability to work and earn income. If you become sick or are injured from an accident and are unable to earn an income, how are you going to pay your bills? Disability Income Insurance can help you and your family maintain your current lifestyle and prevent serious debt from accruing by replacing a portion of your income.
Consider this...according to the Social Security Administration's Disability Benefits brochure, "Studies show that a 20-year-old worker has a 3-in-10 chance of becoming disabled before reaching retirement age" (SSA Publication No. 05-10029: www.ssa.gov/dibplan/index.htm). With that said, if you depend on your current income to pay your bills, seriously consider purchasing disability income insurance.