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Get Free Disability Insurance Quotes
Save up to 40% on
Insurance
Disability Income Insurance
is insurance coverage that provides monthly payments, up to a
specified amount and for a specific time period after a covered
illness or injury occurs. Insurance must be purchased prior to your
illness or injury. Disability Insurance provides a way to protect
your income and your standard of living.
- Disability Insurance
protects your most valuable asset?You, and your ability to earn
income. If you become disabled, you most likely will not be able
to earn enough income to cover your continued living expenses.
- Disability Income
Insurance will provide monthly payments to help meet your daily
living expenses.
When you suffer a long
term disability, the human and financial cost add up. Without
income, you may have to significantly alter your lifestyle. Yet both
the likelihood and impact of disability are often underestimated.
Did you know that...
- 3 out of 10 working
individuals between the ages of 35 and 65 will become disabled for
90 days or longer before reaching age 65
- The average duration of a
disability lasting over three months prior to age 65:
- At age 35 - 2.6 years
- At age 45 - 3 years
- At age 55 - 2.7 years
And 20% of those will be
disabled for longer than 5 years.
- At age 30 your chances of
becoming disabled this year are 4.43 times greater than dying yet
four times as many people have life insurance than own disability
insurance
Loss of Earnings If
Disabled
|
Annual
Earnings |
2 years |
5 Years |
10 Years |
20 Years |
|
$36,000
|
$73,440
|
$194,998
|
$432,220
|
$1,072,011 |
|
$60,000
|
$122,400
|
$324,979
|
$720,366
|
$1,786,685 |
|
$120,000
|
$244,800
|
$649,959
|
$1,440,733
|
$3,573,369 |
These are more than
statistics. They represent millions of dollars in lost earning power
for individuals with disabilities.
Generally, there are three
major types of individual long-term disability policies:
(1) Non-cancelable policy:
your premiums are fixed over the term of the policy. The insurer
cannot jack up the rates, decrease your benefits, cancel or refuse
to renew the policy.
(2) Guaranteed renewable
policy: your premiums can be raised so long as the change affects an
entire category of occupations, policyholders, etc.
(3) Conditionally renewable
policies: your premiums can go up and your coverage canceled in the
event any conditions stated in the policy are triggered.
There are many types of disability insurance, from very
basic coverage to policies numerous options. Each policy is designed
to meet the special needs of the applicant. Your policy will
determine when benefits begin, how long they will be paid, how much
will be paid and what the policy limitations will be. To get more
information and get disability insurance quotes ,visit the site
below
Free-insurance-quotes-4-you.com offers a convenient way to
comparison shop for Disability Insurance Quotes and more in a secure, pressure-free
environment. You don't have to leave home, spend hours on the phone
or jump through hoops to get the best insurance quotes. It?s easy to use, and
it costs nothing to apply.
Finding Disability Insurance Quotes is as simple as entering these
words into a search engine. In addition to Disability Insurance Quotes, you will be able to find
insurance quotes for any type of insurance when using Free-Insurance-Quotes-4-You.com.
Shopping around for Disability Insurance Quotes is the best way to save money on your insurance.
You can compare free online insurance quotes from many of the
nation?s leading insurance companies.
We offer quotes for auto
insurance, term life insurance, homeowners insurance,
individual health insurance and more.
Each of these insurance companies below offer free quotes on a wide range of
insurance choices. To make sure you get the most competitive
Disability Insurance Quotes, we suggest that you get a free online insurance quote from Free-Insurance-Quotes-4-You.com.
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