We often think about protecting ourselves, and our families, with life insurance and health insurance. But are you covering your most important asset – your ability to work and earn an income? Disability insurance is one of the most overlooked forms of insurance, and we don’t want to see you go without this essential protection.
How long could you go without your income? It’s not pleasant to think about personal accident, injury, or illness (temporary or permanent), but we must be prepared should something happen. Many people who are unable to work feel like a burden on their families but when they know that there is income coming in from their disability policies, it gives them a greater sense of contribution while they are working to get back on their feet.
There is a lot to consider when selecting the right disability insurance for you. There are many optional riders that you need to consider but above all, you want to ensure the monthly benefit is adequate enough to cover your monthly household financial needs should you become unable to work for an extended period of time.
Relying only on your savings to cover your monthly household budget may not be a good option for many reasons.
We work with the leading disability income insurance companies for individuals and groups and can help you find a policy that is right for you. Many times, there are also multi-life discounts for people in the same company such as a medical offices, or professional business firms.
Let the experts at Shalin Financial walk through the process with you to get you the best coverage available – and start protecting your income, and family, as quickly as possible. Call us today to learn more. Our expertise, and this support, is always free when it comes to your insurance planning.
Different Types of Disability Policies
- Short Term Disability
- Long Term Disability
- Accident Policies
- Critical Illness Policies
- Buy/Sell Disability insurance for business partners
- Key Man Disability to cover costs of replacing a key owner/employee
- Business Overhead Policies to provide monthly income to keep the business running while owner or key employee is recovering.
Partial List of companies we represent for Disability Insurance:
- Illinois Mutual
- Lloyds of London