HOW LONG WILL YOUR SAVINGS LAST?
6 Months? 90 days? 60 days? 30 Days? .....Less???
If your income STOPPED TODAY how long could you pay your bills before RUNNING OUT OF MONEY??? What would happen to you and your family????
What is your most VALUABLE ASSET?
Your home? Cars? Toys, 401K, savings and investments?
YOUR MOST VALUABLE "ASSET" IS YOUR INCOME, your paycheck each month, year after year.
- How much of your earned income do you need to make it?
- How much do you need if your income stops and your bills go up?
A 35 year old earning $150,000 per year, working for 32 years to age 67, with a 3% increase in income per year WILL EARN $8,261,663!
Your Earned Income is the Financial FOUNDATION
If you die of cancer, do you get "SICK" first or "DIE" first? Doesn't it make sense to INSURE in the order that events happen? Shouldn't Disability Income Protection should come BEFORE Life Insurance.
Is Your Portfolio Protected?
What % of your portfolio is for covering a health crisis?
If your income STOPS due to a major accident or illness - how much of your savings and retirement portfolio is earmarked to replace income if you're too sick or hurt to work for an extended time??? What will happen to your retirement & savings accounts?
Why Do ALL Physicians Max Out Their Disability Insurance?
Because of what they see every day!
Medical Insurance Pays Everyone Else - WHO PAYS YOU???
If you only have "Health" Insurance (Medical) but you don't have any comprehensive Disability Insurance (DI) you are only "HALF" covered. The doctors and surgeons get paid, the hospitals get paid, the pharmacists and physical therapists get paid - DI PAYS YOU!
What do all injury attornies see after a major disability?
Bankruptcy Foreclosure Divorce
Ask any top injury attorney what they most often see their clients face after a major illness or injury - the anwer is always the same. BANKRUPTCY, FORECLOSURE and DIVORCE!
On Average, It Only Costs 2% of Your Income to Protect It!
If you were presented with two job opportunities, one WITHOUT any Income Protection and one WITH Income Protection, that paid 2% less in salary - but it paid you 67% of your gross earned income tax-free if you were totally disabled... which job would YOU choose?
In the news - See our financial columns and articles
Disability Insurance
The "Return of Premium" Rider
Disability Insurance for Buy/Sell Agreements
Disability Insurance for Businesses
Will Your Group Disability Insurance Be Enough?
Disability Insurance and "Forced Savings Account"
The HUGE Downside to Life and Disability Insurance
True Disability Insurance Vs L&I Worker's Comp
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