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Your income provides you with the ability to pay for all the necessities, and luxuries of life. It is therefore the most important asset that you have. Imagine what would take place if you were unable to work? How would you pay your bills, put food on the table, or pay your rent or mortgage?
Disability insurance is the most important insurance policy that a person can own. A disability insurance policy will provide you with income when you can not work.
Do not rely on the benefit package that your employer offers, nor the government. Employers are looking for ways to save money. There is no guarantee that they will continue to offer a Long Term Disability policy (LTD). Many employers only offer short term disability (STD) policies. Social security has a strict definition of disability.
What are my chances of suffering a disability that will last more than 90 days before I reach 65 years old?
| Age |
Male
Disability
|
Female
Disability
|
| 30 |
1 out of 3 |
1 out of 2 |
| 35 |
3 out of 10 |
4 out of 9 |
| 40 |
3 out of 10 |
2 out of 5 |
| 45 |
1 out of 4 |
2 out of 5 |
| 50 |
1 out of 5 |
1 out of 3 |
| 55 |
1 out of 6 |
1 out of 5 |
| 60 |
1 out of 10 |
1 out of 10 |
Why should you work with JMF Insurance Agency?
Your income is very important. JMF Insurance Agency places a strong focus on disability policies. Insurance carriers that write disability policies have preferences. We understand the preferences of the carriers and have developed a diverse carrier line-up to meet the needs of our clients.
Give us a call today. We are available to answer your questions, and assist you in the development of your income protection plan.
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