Most people understand the need for financial protection for their families in case they should die. Yet the truth is that before age 65 you are far more likely to suffer a long-term disability than you are to die. The fact is that you are never too young to worry about the risk of becoming disabled.
For example: A 35 year old man is 4.1 times more likely to suffer a disability that lasts 90 days or more before he reaches age 65 than he is to die.
statistics based on 1985 CIDA Table and 1975-80 Basic Select and Ultimate Mortality Table. Statistics will vary depending on the applicant's gender, age, occupation and medical history.
"Approximately 30% of all people 35 to 65 will suffer a disability for at least 90 days, and about one in seven can expect to become disabled for five years or more."
source: Health Insurance Association of America, The New York Times, Feb. 2000; as published in The JHA Disability Fact Book, 2001 Edition.
A long-term disability can be as financially devastating as a death to your family. You ability to earn an income is what makes your current and future lifestyle possible. If disabled how could you:
Remember....no one has ever been accused of buying their protection when they were too young! This is why we feel your ability to earn an income is...YOUR MOST VALUABLE ASSET!
|Your Most Valuble Asset | Physicians | Female Physicians | Residents/Fellows | Dentists | Chiropractors | Highly Compensated | Advisors | Bio/Testimonials | Links | * Home *|