Either you will become disabled or you won’t. Since no one can predict the future, you don’t know if you will need disability insurance. Is losing your income because you didn’t have long term disability insurance protection worth it? We don’t think so.

One of our best plans will pay you 60% or more of your pre-disability income if you are disabled, and will pay until you reach age 65.

And the neat part: if you are never disabled, and keep the policy until age 65, you will receive a refund of all the premiums you paid over the life of the policy.

Critical disability protection if you need it. All of your money back if you don’t.

Many families live each month dependent on the next paycheck. If you were disabled and your family lost that check, how would you pay your bills or buy food? We all think that we will never be disabled–it won’t happen to us. But what if it does? What if you are disabled? Even if you are able to make a full recovery and return to work in a couple of months, how will months without a paycheck affect your family?

Short Term disability insurance removes those worries. You can receive up to 70% of your income for a period which you select. Do you need a policy that will pay benefits for 90 days, for 6 months, or for a year? You decide.

We all hope that nothing significantly damaging will ever happen to us. But what if it does? What if you are totally disabled because of a car wreck or you develop a debilitating disease like Parkinson’s? You might never be able to work again. How would you provide for your family?

Fortunately, you can purchase long term disability insurance, the most critical type of insurance policy. A long term disability plan can pay up to 70% or even more of your pre-disability income directly to you in the event of a total disability. We have policies that will pay benefits for 2 years, 5 years, or until you reach age 65.

We have the best policies from the most respected insurance companies available at very reasonable rates. Please ask about Long Term Disability insurance. It could be the most important call you make.