Your income – is it for you or someone else?
If your earned income is unimportant to your lifestyle, then Disability Insurance is not important. Disability Insurance is EXACTLY as important as your earned income is.
Are you (in)vulnerable?
No one is. Who (other than the staff) expected to be in the local hospital emergency room today? Even Superman (Christopher Reeve) suffered a disability. Can you guarantee yourself that you will never be ill or hurt in an accident?
What are the odds of you suffering a disability?
We hear the old line about death and taxes being the two certainties in life.
Odds of losing your home to a disability versus a death are 16 to 1.
Do you know anyone who has suffered a heart attack, stroke, cancer, had an accident, stress or burnout? If not then you are one of the few who have not.
I have Disability Insurance coverage from work, why do I need a personal plan?
You are not as protected as you think you are. Most of the plans from your employer only cover you for 2 years and then you are on your own.
Please read the true story on the home page about how one longtime employee was not as protected as she thought she was. You may be in for a surprise and forced to return to work before you are ready.
What type of income protection program do you have?
All plans provided by your employer have a limit as to how much and for how long you are protected and then you are left on your own.
Can you survive for any period of time on a reduced income which may be 40% of your original income?
The more income you earn the less you are protected, in effect you may be subject to reverse discrimination without even knowing it. Why leave this to chance!
I am self employed or a professional; do I really require a disability income protection program?
Being self employed or a professional exposes you to even more uncertainty and a possibility of financial ruin.
If you are disabled, can your spouse support both of you, and be a nurse and child care worker all at once, on a reduced income?
If you own a business, have a profession or are employed you are leaving a lot to chance by not looking after yourself.
There are now more people living alone than living together, why do you require an income protection program?
You have got to be kidding! You are now entering the zone of high risk for financial ruin by not making sure you have all the financial tools in place, whether you are a male or female.
What does a personal program cover?
Everything except something you already have, a disability due to war, disabilities while in jail and NORMAL pregnancies.
Is it for women?
Yes and for men as well, as everyone has the same chance of becoming disabled with the impact being the same.
Men think they are invulnerable; however women are more realistic about their vulnerability. Everyone’s needs are as important as the other.
Do you now wonder why you should make sure you have the proper financial tools in place?
Bottom Line. If you need your income you require proper income protection.
To have an idea what the cost is please click on the link for sample pricing.
Income Protection or Disability insurance
Is it for you?
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