Protect your most valuable asset — Your income.
What Is
Disability Income
Insurance Protection?

Individual Disability Income Insurance is protection for your lifestyle
Do you know what your biggest asset is? Your ability to earn an income is your biggest asset. It is not your home, your retirement plan or your business. All of these depend on your income. If a sickness or injury causes you to become unable to work for an extended period of time, your lifestyle will be dramatically affected. Your greatest asset is your ability to earn a living and it needs to be protected. We insure our assets--our cars, our houses, our businesses and even our lives. Your income is even more important because your entire lifestyle is paid for by your work.


It won’t happen to me
Like most of us, you might think of a disability as something that happens to other people. But simply believing “it won’t happen to me” doesn’t mean at some time in your life you won’t be faced with a disabling illness or injury. Becoming too sick or too hurt can happen to anyone at any time.


What is the probability of becoming disabled in your working lifetime? *

At Age

Odds

25

1 in 4

35

1 in 5

45

1 in 6

55

1 in 8

*Source 1985 Commissioner’s Disability Table

The problem
Becoming too sick or too hurt to work is one of the most serious problems you and your family could ever face. If you should suffer a severe injury or illness, you could lose the income that provides you and your family with a home, food, transportation, clothes and other necessities.

Sometimes a disability is short term, and a quick return to work is possible. But if an injury or illness causes a long-term disability, often there are additional costs including long-term care and the extra assistance needed to help your family function in your absence. This could greatly increase the financial burden on your family.


If you become too sick or too hurt to work, the question is: Where would the money come from?

Resources

Drawbacks and limitations

Social
Security

69% of all initial Social Security
applications are denied**

Savings/
Investments

How long
will they last?

Employee
Group LTD

Great start, but benefits
taxable and usually capped.

Worker’s
Compensation

Only covers losses due to
work related injury or illness.

Bank
Loan

Banks may not lend to you
if you are not working.

Friends and
Relatives

May be willing to help,
but have limited resources.

Spouse’s
Income

Can your spouse continue to
work while caring for you?

 **Social Security Basic Facts, January 2007

The Solution
An income protection plan can help provide security for your family if something should happen to you. An ideal plan for income protection is customized to your circumstances, portable, flexible and permanent. We can design a plan that fits your budget, compare rates from top rated disability insurance carriers and help you through the underwriting process to acquire the individual disability income insurance protection you need. We call this process The Prudent Choice™.