Your Most Valuable Asset Is Your Ability to Earn an Income
Consider this . . .
Out of 1,000 people, the number who will suffer a long term disability before age 65* :
| At age | At age |
| 25 578 — 3 out of 5 30 541 — 5 out of 9 35 501 — 1 out of 2 40 453 — 4 out of 9 | 45 396 — 2 out of 5 50 329 — 1 out of 3 55 246 — 1 out of 4 60 142 — 1 out of 7 |
In addition . . .
Look at the average duration of a disability which lasts three months or longer.
| Age | Duration | Age | Duration |
| 25 30 35 40 | 2.1 Years 2.5 Years 2.8 Years 3.1 Years | 45 50 55 | 3.2 Years 3.1 Years 2.6 Years |
Which job would you rather have?
| Job A | Job B |
| Income while working: $100,000 | Income while working:$97,000 |
| Income while disabled:$0 Expenses don’t stop!!! | Income while disabled:$60,000 Tax Free! |
If you own the “Goose That Lays the Golden Eggs,” would you insure the Goose or the Eggs?
Guess who’s the Goose?
A properly designed long term disability insurance program will cover the greatest risk in your life and protect the most valuable asset you own – your human capital.
If you are considering purchasing disability insurance, contact us today.
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