Protecting Your Most Valuable Asset

For almost everyone who is still working, that earning power is the engine behind everything else – your mortgage, your retirement savings, your family’s lifestyle. Remove the engine, and the rest of the plan stalls.

How long could you continue to pay your bills if you suddenly stopped receiving a paycheck? According to the Council for Disability Awareness, nearly six in 10 American workers say they’d be unable to pay their bills within three months if an injury or illness forced them to stop working. And the consequences go far beyond the inconvenience of a tight month. Fifty percent of all mortgage foreclosures in this country are caused by disability. The people losing those homes aren’t irresponsible – they’re good, honest people who became unable to work.

This is why disability income insurance – often called DI – is arguably the most important type of insurance you can own. More important than life insurance. More important than health insurance, homeowners insurance or auto insurance. You need it more than any other kind – yet it’s the one most people overlook.

Think of it this way: You purchase investments to grow your wealth. You purchase insurance to protect the wealth and income you already have. You earn a paycheck in order to build a life – and disability insurance is what protects that paycheck from the unexpected.