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DISABILITY INCOME

An individual's most valuable asset is NOT their car or their home-- it's their ability to earn a lifetime of paychecks. An accident or serious illness can take away a job and the income that goes along with it, jeopardizing financial stability and a family's lifestyle.

 43 percent of all people age 40 will experience a long-term disability before turning age 65.

Some of the policy features include:

• Eligibility for a wide range of occupational classes

• Guaranteed Renewable to age 65; Annually renewable to age 70

• Benefit periods from 1, 2, 5, and up to age 65

• Liberal definition of Total Disability

• Vocational Rehabilitation Benefit

• Survivor Benefit

• Home modification benefit

Optional riders available include:

• Residual disability rider

• Own Occupation Coverage

• Non-cancelable rider

• Future Purchase Option

• Automatic benefit increase rider

• Return of Premium Rider

Also available:

Graded Benefit Disability, Mortgage Disability Income, Business Overhead Expense

Companies Include: TheStandard and Assurity Life Insurance Company
 

Think about this.....Deaths due to Cancer, Heart Attack, and Stroke have gone down significantly, and that is a good thing; but disabilities due to these same conditions are up dramatically! Conditions that used to kill, now disable.