What is Accident Disability
Income Insurance?
Disability insurance
provides you with income replacement if you have an accident and are unable to perform the duties required for
your chosen profession or you become incapacitated and are unable to work. There are
individual insurance policies and specialized contracts available to the businessperson for business
overhead expense (staff salaries, rent, telephone, malpractice, etc.), key person
disability (reimbursement for loss of key employee and funding of replacement and training
of a successor) and disability buyout (income to fund a buy/sell agreement).
Who Needs an Accident Disability
Insurance Policy?
While most Americans insure their lives and
material assets, like their homes, cars, etc., many overlook the need to protect their
most valuable asset - the ability to earn an income.
Insurance claim studies indicate that the odds
of becoming disabled for 90 days or longer are much greater than dying during one's work
years.
At age 27 = 2.7 times greater
At age 42 = 3.5 times greater
At age 52 = 2.2 times greater
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Accident
Disability Payment Plan Features
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| Pays
up to 60% of gross monthly earnings |
|
Optional
Benefits
|
| Issue
Ages 18-60 |
•
A D & D Rider for
$50,000 |
| Monthly
benefits of $500, $1,000, $1,500, $2,000 or $2,500 |
•
A D & D Rider for
$100,000 |
| Choice
of 12 month, 24 month, 36 month or 60 month benefit periods |
Get
a Quote • Now!
|
| Choice
of 14 or 30 day Elimination Periods |
Please review
the Covered Occupations lists to determine which occupation
type you qualify for. This is relevant to quote generation.
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Where Can I Get More Information About
Disability Insurance?
Click GET
A QUOTE NOW! to fill out our online
quote request form.
If you prefer to speak directly with an
agent, call our office at 214-821-6677 or toll-free 1-800-462-2322 and we will answer your questions and
quote you the plan
that will best meet your needs. Or, click
here to email us.
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