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Lou Holtz says, "Ladies and gentlemen, you are not selling life insurance. All you're trying to do is help people solve problems before they arise."

Disability Plans



One major risk that individuals face in their lifetiem is the possibility that they will become totally disabled and be unable to perform work duties for a period of time. Statistics show that there is a 50% chance of a 25 year old being disabled for more than 90 dyas prior to age 65. It is far less likely that the same 25 year old will siffer a premature death prior to age 65.

For most people who are unable to go to work, employment income would terminate after a brief period of time and sonsequently most people would be forced to turn to persona savings to pay normal living expenses such as food, rent and utilities. One should ask how long he or she could survive without any income.

Therefore, disability income insurance is a vital compnent of a comprehensive insurance program that is designed to replace lost income in the event of this contingency. Disability income insurance is designed to provide a reasonalbe and pretetermined income to a disabled party for a set period of time subject to a "time deductible" termed and elimination period.  Disability income coverage provides, after a specified waiting period, a monthly benefit for a stated amount and peiod of time for total and partial disability due to injury (accidnts) or illness (sickness). Disability income insurance can be purchased individually or on a group basis through an employer.