When you think about your retirement, what goals do you have? For most people, it’s making sure the money lasts through out their retirement by balancing our financial life between reward and risk, savings preservation, and asset growth. In our personal lives having a balance between, stability, experiencing new adventures and enjoying favorite past-times are the goals.

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

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.