Don't Let Your Greatest Asset Slip Away

Your Ability To Earn An Income.

According to recent surveys, 93% of respondents identified disability income protection as a financial goal, while only 16% indicated they had achieved that goal. Unless you are able to financially self-insure, you are putting everything you have worked for, at risk.

  • Chance of hitting a hole-in-one at 200 yards: 1 in 20,000*
  • Chance of using your homeowners insurance: 1 in 20**
  • Chance of using your auto insurance: 1 in 15***
  • Chance of missing at least 90 days of work due to a disability: 1 in 3****



Are You Being Overly Optimistic?

Your most valuable asset is your ability to earn a living. How would you continue to support yourself, or your family, if you were disabled for any length of time because of an accident or sickness?

 

The risk is real. Three in ten workers entering the workforce today will become disabled before retiring. Even more alarming, is the fact that your chance of missing at least 90 days of work due to a disability is just under 1 in 3.

 

Some things to consider:

 

  • Your savings could be depleted quickly
  • Without an income, it may be impossible to borrow money
  • Your spouse may find it difficult to continue working, care for you, and manage the household
  • Social Security disability benefits have strict guidelines and a lengthy waiting period

 

Disability income insurance can save everything you've worked for, by replacing your monthly take-home income as long as you're disabled.



For a detailed analysis of all your "Disability Income" needs, please contact our specialists today for a non-binding consultation.

 

Contact us by phone, or use our online Contact Form.

Spirit Financial Concepts

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We also consult on the following types of coverage:


  • Health Insurance - Whether you're an individual, or a business owner, we offer coverage to meet every need. Whether you have an existing group or individual health plan in place, or looking to implement new coverage, our team of experts are here to help!
  • Medicare Supplement Coverage - Did you know that even though you have Medicare Part A and Part B, you are still responsible for annual deductibles and 20% co-insurance on most of your medical care? This is where a Medicare Supplement comes in. Call us for a free consultation of your Medicare Supplement options. We're here to help!
  • Final Expense Insurance - Is your family prepared with a Final Expense plan to cover the expenses left behind by a loved one? Make sure that your family is left with more than memories.
  • Cancer & Critical Illness Insurance - Lump sum benefits paid upon first diagnosis of a critical illness. In the midst of a critical illness diagnosis, you will most likely suffer the loss of income, travel expenses connected to out-of-town specialists, and home health care. Protect yourself!
  • Dental Plans - No networks. No waiting periods. Starting at $15.50 per month.



 

 

 

 

* Baer, G. "Life: The Odds"

**International Organization for Standardization, Homeowners Insurance Losses, 2002-2006 (2008)

***Highway Loss Data Institute, Collision Coverage Insurance Losses In Years Since Introduction, 2004-2006 (2008)

****America's Health Insurance Plans, Baby Boomer Awareness of Disability Risk Study (2008)

Spirit Financial Concepts is a member of the

National Association of Health Underwriters.

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Spirit Financial Concepts is here to serve you in all your insurance needs!

(918) 236-4470

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