Individual Coverage

Why is this important? Ask most people to think about their most valuable asset, and they'll mention their home, their car, their jewelry, or other possessions. In reality, our most valuable possession is simply our ability to earn a living. Just as you would insure your car, your home, and other valuable possessions, you need to insure yourself in case you are no longer able to work. Disability Insurance provides a source of supplemental income if you are unable to work due to an illness or accident.

Many of us never believe that we will become disabled, but the truth is that it can happen to anyone. An accident or illness can keep you out of work for a lengthy period of time and can be very costly. Your financial demands will not decrease just because you've become disabled- in fact, it can increase drastically. A disabling injury or illness can lead to medical bills, modifications to your car or home, and other unforeseen needs that can be quite expensive.

Because of these risks, all individuals should consider applying for disability insurance.