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Have you ever been sick or had an accident and missed work?

We All Have

What if your last paycheck was your LAST paycheck? Income Protection is a type of insurance that pays you when you do not have the ability you need in order to perform your occupation. Get Your Quote

Your Ability to Earn

In a sense, Income Protection protects your ability. Your ability to earn an income. Your ability to earn IS by far your most valuable asset. More valuable than a car or a house or any jewelry you own. Why? Because your ability to earn is the foundation that a car, a house and anything else you purchase rests on.

You don't think it will happen to you.

Over 3 million people reported an injury or illness that prevented them from doing their job in 2013. It is important to remember that nobody believes bad things can happen to them. Until it does.

There are literally thousands of stories of people who were fortunate to consider protecting against the possibility they would be among those who life throws a curve ball.

Real Life Stories

It is important to remember that nobody believes bad things can happen to them until it does. There are literally thousands of stories of people who were fortunate to protect their income in the event of a disabling accident or illness. As we all know, life throws us curve balls.  See the stories below:

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Cindy and Matt Wrenn were days away from closing on their dream home when disaster struck. Cindy, 28, suddenly fell ill and was rushed to the hospital. She was stricken with a brain aneurysm, and during surgery she suffered a stroke. With Cindy in critical condition, the house closing seemed out of the question. It was unclear if Cindy would survive, let alone return to her job.

Matt’s teaching salary wasn’t enough, on its own, to qualify for the mortgage. Matt contacted his insurance professional, who had helped the couple purchase disability insurance policies.Today, Cindy is no longer collecting disability benefits. She’s in good health and owns her own title company. She still has disability insurance, so if disaster should ever strike again, she’s covered. “When you’re in your 20s, you don’t think of such things as disability insurance,” says Cindy. “I’m so thankful that I had it.”.

The insurance professional pointed out to the lender that the short-term disability coverage provided by Cindy’s employer would cover 60 percent of her salary over the first 120 days of the disability, and the long-term benefits of her individual policy would replace 65 percent of her salary after that if she was still unable to return to work. With that, the loan was approved.

 

Cindy’s recovery was nothing short of miraculous. A month after the stroke, Cindy was released from the hospital, and a few weeks later she moved into her new home. Five months later, Cindy was able to return to her job part-time. The income Cindy earned allowed her to move from a full to a partial disability claim.

Today, Cindy is no longer collecting disability benefits. She’s in good health and owns her own title company. She still has disability insurance, so if disaster should ever strike again, she’s covered. “When you’re in your 20s, you don’t think of such things as disability insurance,” says Cindy. “I’m so thankful that I had it.”.

Carriers We Work With

This is a sample of the disability insurance carriers we represent. By offering access to the leading insurance carriers in the industry assures you will receive an unbiased recommendation, which allows us to meet your income protection goals.

 

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