"Nancy is awesome! She listens to your needs and makes suggestions according to your needs and income. She is on the ball and always available! I have recommended Nancy to many of my friends and family. I have complete trust and confidence in Nancy!" Lynne Getz
WHAT IS DISABILITY INSURANCE?
Disability Insurance (DI) sometimes is referred to as income protection. That is because it is protecting your ability to earn a living. If you become sick or hurt and unable to work, you'll receive payments (based on your particular policy) from your insurance company, which will help you continue paying living expenses such as rent, mortgage, car payments, food, etc.
The statistics are frightening. During our lifetimes, we are more likely to become disabled than to die. Yet, most of us plan for the likelihood of death by purchasing life insurance, but not for the probability of becoming disabled. This is one of the most overlooked forms of insurance.
Ask yourself, if you were unable to work, how long could you survive financially without an income? Do you have substantial savings, investments, home equity, or understanding relatives? Maybe. But for those who don't, disability insurance could be the means of financial survival.
Premiums for disability insurance are based on your income, type of occupation, length of time you want to continue getting benefits (benefit period) and how soon after you become disabled that you want the benefits to start (elimination period).
With this coverage, you will receive regular payments to help offset the loss of income.
Call us when you are ready to protect yourself or your valuable team with disability insurance. Allow us to help you find the right plan. We work with some of the top insurance carriers in this area.