• Disability Insurance

    Protecting your single greatest asset, your income

    If you had a machine in your house which printed money, would you insure it?

    The following statistics are shocking but true:

    • Just over 1 in 4 of today's 20 year olds will become disabled before they retire.
    • 8.8 million disabled wage earners were receiving Social Security Disability benefits at the end of 2012.
    • In December of 2012, 2.5 million disabled workers receiving benefits were in their 20's, 30's and 40's.
    • In the last 10 minutes, 498 Americans became disabled.
    • Almost 3 in 10 workers entering the workplace today will become disabled before retirement.

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    • 68% of Americans would find it very difficult to meet their current financial obligations if their next paycheck were delayed one week.
    • Over 70% of working Americans do not have enough savings to meet short term emergencies.
    • 48% of U.S. families don't save any of their annual income.
    • According to the Federal Reserve, 44% of U.S. families spend more than they earn.
    • More than 35% of workers with a 401k or IRA plans have not thought about what would happen to their contributions if they were unable to earn an income for a period of time.

    Critical Illness

    Income in the event of cancer, stroke or heart disease

    Illnesses generally cause disabilities, not accidents

    • Over 85% of disabling accidents and illnesses are not work related.
    • Stroke is the leading cause of serious long-term disability.
    • While many people think that disabilities are typically caused by freak accidents, the majority of long-term absences are actually due to illnesses, such as cancer and heart disease.
    • 43% of all people age 40 will have a long-term disability event prior to age 65. 

    For more information about critical illness policies:

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