In our every day lives, we see certain things as “must haves” and certain things as not as important to have. For some of us we need to have two cars, organic food, 4o1 k’s, and Netflix. For others, not so much. We all have things that are significant to us that we like to have in order to feel comfortable. But, one thing that appears to not have caught on yet is the need to have Disability Insurance. Many of us have car insurance, health insurance, and even life insurance policies, but many still do not have or even see the need to invest in disability insurance. Why is that?
Do I Really Need This Kind of Insurance?
Many people have asked our agents, “Well what are the chances that I will become disabled?” And the truth is that we really don’t know. But, Disability Insurance is one of those “better safe than sorry” kind of things. If you have it and become disabled, you are “safe” per say. If you don’t have it, you’re out of luck.
How Likely Is It That I Will Become Disabled?
We admit that it’s impossible to predict whether an individual will become disabled or not. But, this is how we look at it.
- Health Status
We analyze the above to predict whether you are a risk for becoming disabled depending on the way you currently live your life.
- These 4 factors also affect pricing.
Either way, someone who takes zero risks and works as data entry specialist, can become disabled, like in a car accident, for example. A person who likes to jump out of planes for fun and works in oil mining can never become disabled, ever.
Anything Can Happen
Anything can happen to anyone at anytime regardless of race, wealth, health, and circumstance. Wouldn’t you rather be prepared and ready to take on a disability with financial help versus without any financial back up? Disability Insurance will help you continue to pay for life’s everyday bills like: daycare, groceries, car payments, and medical bills, since you will not be able to work and earn an income.
Disability Insurance, Time For Action
Call us at (800) 788-8921 to get started on customizing your Disability Insurance policy or fill out our Contact Form. We can educate you further on the ins and outs of disability insurance and help you protect yourself against any future misfortunes.