Disability Insurance

DISABILITY INCOME REPLACEMENT INSURANCE Can you financially survive if you were disabled? Personal disability income replacement insurance is an insurance product designed to replace 60 to 66% of your gross income on a tax-free basis should a sickness or illness prevent you from earning a living in your occupation.A good long-term disability insurance program will enable you to live without making major life changes such as selling your house. Becoming disabled is traumatic enough without having the added pain and stress of big changes in your lifestyle.Every disability insurance policy is different from company to company. Disability insurance is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.The Fred Simmons Insurance Agency can help you choose the right disability insurance policy designed to provide you adequate income replacement.