Individual life and disability insurance

Everyone should have a life insurance policy.  Life insurance protects the people you love the most, and premiums are probably lower than you think.  Life insurance can be in almost any amount, and will give you peace of mind that your loved ones will have some protection if the unthinkable or unexpected occurs.

 

LIFE INSURANCE

 

Everyone should have a life insurance policy.  Life insurance protects the people you love the most.

 

There are a variety of life insurance plans -- Term Life (10 Year, 20 Year, etc.) and Whole Life.

 

 

DISABILITY INSURANCE

 

Disability insurance secures an individual's income by supplementing their income in the event that they become unable to work due to an accident or illness.

 

There are two types of disability insurance:  Short-Term and Long-Term.

 

Short-Term Disability supplements the individual's income if they are disabled for a short period of time (less than 90 days), and premiums are based on weekly earnings.

 

Long-Term Disability supplements an individual's income if they are disabled for more than 90 days, and premiums are based on monthly income.

 

Statistics show that 43% of people age 40 will have a long-term disability event (lasting 90 days or more) by age 65.