We often receive questions from clients asking why they need disability insurance. Most people don’t realize that the best time to get disability insurance is actually when you don’t need it. If you wait until you need it, you may no longer be insurable.
- Disability insurance is going to replace your income, which is most peoples largest asset.
- The probability of a disability occurring that lasts over 90 days for a male is probably over 30% before they reach retirement age. The probability of a disability for a female is significantly higher.
- For some professions it could be as high as 50%.
For most families, the possibility of losing prolonged income, or having to live off of half of a paycheck could be financially devastating. Our experienced disability insurance brokers focus exclusively on your individual needs and leverage our relationships with multiple major insurance partners to get you the best available rates for the coverage you need.