Some more about Disability Income

You really have to ask yourself, "How long can I survive without a paycheck?" That question is key. Short of the independently wealthy, everyone needs disability income insurance.

How many times have you seen posters for fund raisers for someone diagnosed with cancer? Or how many times have you seen posters for someone that was in a serious car wreck?

At age 40 you are about 4 times more likely to become disabled for 90 or more days than you are of dying. Do you have life insurance?

I've put together a detailed FREE REPORT titled

WILL AN INCOMPLETE HEART ATTACK RUIN FINANCIALLY AND CAUSE YOUR FAMILY TO BECOME DESTITUTE?

You can e-mail me right now for your FREE REPORT.

brad.j.baldwin@gmail.com

Please put Disability income in the subject line.

This report will detail the why, the how, the how much, of disability income insurance. It will also give you the 'insider secrets' of how to buy disability income insurance. If there is one type of insurance where price should be a secondary concern, it is DI insurance. Each company has its own definition of disability. Take this example: Would you rather buy a policy that said you were disabled if you couldn't continue working in your occupation or one that says you are disabled if you can't work in any occupation?

Here are some statistics for you:

According to statistics, in the United States…

Þ More people lose their homes through disability than through death and fire!

Þ For people who are under the age of thirty-five, 1 out of 3 will be disabled for about six months, and 1 out of 4 will be disabled for one year or longer… before they turn sixty-five!

Þ A 42-year old is 4 times more likely to become seriously disabled than to die before age 65!

Þ The average length of all disabilities lasting longer than three months is 2 years!

Þ Each year, while 1 in 18 cars are involved in serious accidents, 1 in 117 people die, and 1 in 219 homes catch fire, 1 in 14 people become disabled!


Listen, if you’re like most people, then, after you’ve become disabled due to an accident or illness, your income will probably stop, won’t it?

The sad thing is, even if your income stops, you’ll still have to pay the mortgage, car payment, food, and other expenses every month.

The six choices you have if you should lose your income because of disability are...

1. Live off your life savings.
2. Live off your spouse’s income.
3. Sell some of your assets to generate cash.
4. Borrow money from a bank.
5. Ask your parents, relatives, or friends for support.
6. Apply for Social Security disability benefits.

In my FREE REPORT I'll tell you why you don't want to rely on any of those options (not even Social Security disability benefits).