Disability Insurance is arguably the most overlooked coverage that people can purchase.
What is the purpose of Disability Insurance? Simply put  Disability Insurance  pays a monthly benefit if the insured individual is unable to work as a result of a Sickness or Injury (Accident). 
Who would argue that the ability to earn an income is your financial foundation? Unless of course you have an inheritance. But since the vast majority of us don't, we have to work for a living. The income that we earn from work supports our and our family"s  lifestyle . A portion of that same income goes toward saving for our retirement. Below are a few questions to ask yourself.     

1. How long could you pay your bills without a paycheck?
2. What would you do if your income suddenly stopped?
3. What risk transferal vehicle do you use to protect your income?
4. How much coverage do you have under contract to protect from a loss of income?

Self Employed? You really need this coverage! If you have Employer Sponsored Long Term Disability Insurance you might still need more. Why? Because a portion of your benefit is TAXABLE!
Below are questions to ask if you DO have Disability Insurance policy.

1. Is it Own Occupation? (Meaning if you cannot work in your profession because of a disability you are considered disabled. Even if you CAN work outside of your profession!).
2. Will your monthly benefits increase to keep pace with inflation even if you are out on claim?
3. Do you have a policy that will make contributions to your retirement account while you are disabled?
4. Will your premiums be refunded if you never have any claims?

Yes, having your income protected is important. But, having the right coverage, with the right benefits and at the right price is even more important. Need coverage? We have plans for almost every profession. Want to know if you have the right coverage? Let us give you a no obligation assessment!
Get the coverage you need. Contact us now!