Why Disability Income Protection Plan?

Most people don't think of their income in terms of an "asset" such as a car, cash in the bank, or equity in their home. An individual's income is generally the sole contributing support for all their other assets. Yet a disability could occur at any moment due to illness or injury and your income could stop.

You have health insurance to help with any medical expenses, but what would you do if you become disabled? What will you do for an income? Where will you get the money you'll need to help pay those expenses that won't stop while you're not working?

Expenses like mortgage or rent, food, clothing, utilities, children's school expenses, bills that you normally pay from your income

Disability Income Protection

This is one of America's most overlooked financial needs. An individual's personal income may be a family's primary, if not the only, source of financial support.

Yet, while the average person has liability insurance for their car, fire insurance for their home as well as life and medical insurance, they unfortunately don't have any protection against loss of income caused by a disability.

What Causes Disability?

Many people believe that disability is the result of an accident, but that's not the only reason. Many disabilities are the result of sickness including heart disease, cancer, stroke, diabetes, arthritis, or back conditions, to name just a few.

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Disability An even greater risk than death

During your working years, you are more likely to suffer from some kind of disability than you are to die. Your chances of becoming disabled for a period of more than 90 days are even higher than you might think, as indicated below:

Probability of You Becoming Disabled

(Per 1,000)*