What is your greatest asset: Your home? Business? They are all vital to your lifestyle, and they are all the result of your most valuable asset-your ability to earn an income. If you become too sick or hurt to work, what would happen to everything you have worked so hard to build for yourself, your family, and your future?

"IT WON'T
HAPPEN TO ME."

You probably 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 hurt to work can happen to anyone at any time.

WHAT IS THE PROBABILITY OF BECOMING
DISABLED IN YOUR LIFETIME?

At age
25 1 in 4
35 1 in 5
45 1 in 6
55 1 in 8
Source: 1985 Commissioners' Disability Table


WHY IS YOUR INCOME YOUR GREATEST ASET?
The table below shows how much money you could earn if you work until you reach the age of 65.

Annual Salary
$25,000
$50,000
$60,000
$100,000
$150,000
Age 25
$1,000,000
$2,000,000
$2,400,000
$4,000,000
$6,000,000
30
875,000
1,750,000
2,100,000
3,500,000
5,250,000
35
750,000
1,500,000
1,800,000
3,000,000
4,500,000
40
625,000
1,250,000
1,500,000
2,500,000
3,750,000
45
500,000
1,000,000
1,200,000
2,000,000
3,000,000
50
375,000
750,000
900,000
1,500,000
2,250,000
55
250,000
500,000
600,000
1,000,000
1,500,000
THE DISABILITY PROBLEM.
Becoming too sick or 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 help needed to help your family function in your absence. This could greatly increase the financial burden on your family.


You work to provide a continuous income, whether you are the sole breadwinner or one who shares this responsibility. If you lost your earning power as the result of a disabling illness or injury, a disability insurance plan would provide continuity of income when you need it most. For you and your family, it could mean the difference between financial distress and financial stability.

*Source: United States House of Representatives Committee on
Ways and Means, 1996.
 

 

A PLAN
THAT GOES
TO WORK
WHEN YOU
CAN'T.

 

 

An ideal income protection
plan can offer you:

Flexibility
Portability
Noncancellable coverage
Affordable contracts
Adequate income during a disability

A well-designed income protection plan will incorporate all available resources to provide adequate income during a disability. Anchored by an individually owned disability policy, it could be one of the best decisions you'll ever make.

 

 

 

 

 

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