Protect your most important asset!
You insure your home, your car, and your valuables, but don’t forget to insure your most important asset of all: your paycheck.
If you can’t work due to a covered sickness or injury, a disability plan replaces your income. The money is paid directly to you, and you can choose how to spend it. Use it to pay your bills, living expenses, or anything you need.
Disability vs. becoming disabled
Temporary disability is any condition that prevents you from working for a period of time. People often confuse this term with becoming disabled, which is permanent. While catastrophic events that cause one to become disabled are rare, there are hundreds of reasons that a person may experience temporary disability. Heart attack, auto accident, and complications from pregnancy are just a few of the most common reasons.
You are more likely to need it than you think
While most people think disability is something that could never happen to them, statistics show that a 35-year-old person has a 50% chance of experiencing a disability lasting 90-days or longer.* So there is actually a very good chance you will need disability insurance at some point in your career. But if you wait until you need it, it will be too late!
Optional cash value is like free insurance!
Our plans may be purchased with cash value. This means that if you keep your plan for a certain length of time and you are fortunate enough to never need the disability benefit, you can receive your premium back. Here’s how it works: The cash value benefit is a percentage of the original premium, less any claims paid. After 10 years, you can expect 40% of your premium back, up to the 25th year when you can receive 100% of your money back.
So whether you experience a disability or not, you’re covered either way!
