Consider these statistics:

  • Most working Americans estimate that their own chances of experiencing a long-term disability income are substantially lower than the average worker’s. - Council for Disability income Awareness 2010 Consumer Disability income Awareness Study.
  • 90 percent say they value their ability to earn an income, but almost 40 percent said they haven’t thought about how they would protect this all important financial resource. - Council for Disability income Awareness 2010 Consumer Disability income Awareness Study.
  • 68 percent of Americans live paycheck to paycheck and would find it difficult to meet their financial obligations if their paychecks were delayed for a week. - American Payroll Association, “Getting Paid in America” Survey, 2012.
  • Only 7.4 percent have individual disability income policies. - LIMRA 2011 U.S. Individual Disability income Insurance Annual Supplement.
  • Nearly half of the people who look into income protection, after being approached about it, buy some type of policy. - LIMRA MarketFacts Quarterly, 2012

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Good candidates for income protection

  • Ages 30 to 55
  • Earn a minimum annual income of $40,000
  • Depend on their income to pay everyday living expenses
  • Have other insurance products or investment with you
  • Are interested in protecting their ability to work and earn an income
  • Meet your carrier’s underwriting guidelines for occupation, income and medical history