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Introduction to Disability Insurance

Disability Insurance

Protects your most valuable asset and your ability to earn an income.

Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury. That cash benefit ranges from 50% to 70% of income. The insurance company will not pay more than 70% of income because there must be an incentive to return to work.

Disability Statistics

Disability Statistics

Disability can happen to anyone, it's more common than you think.

  • There are over 51 million Americans that are classified as disabled, representing 18 percent of the population. 
    U.S. Census Bureau, Public Information Office, November 2008

Introduction to Estate Planning

Estate Planning:

What is it and why do we do it?

You spend your entire life creating wealth. The more wealth you create the more unhappy the people you leave behind will be without the proper estate planning. Estate planning allows you to decide while you are alive how your assets will be distributed. It also allows you to protect your heirs from unanticipated devastating expenses ranging from debts to taxes to administrative fees.


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