located in the "Big Easy",  ...in New Orleans, La.   1-888-456-1858 / 504-456-1858

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Disability Insurance

Nearly 40% of working people have disability insurance while 70% have life insurance. For many Americans the thought of a long term disability seems much less likely than death. However, the facts show that one in five people between the ages 35 and 65 will become disabled for at least five years. We are three times more likely to become disabled during this time than to die, yet most still don't have disability insurance.

Being disabled in your prime working years has been called the "living death".

What would happen if you were to be out of work for an extended period of time?

Would you lose your home, car, business?  Almost everyone has Life insurance, but in
 reality, is it smarter to insure the Goose that lays the eggs, or the eggs?

Would your employer continue to pay you..... for years....(it normally takes 2 years to
 qualify for Social Security, and you must appear to be permanently disabled to qualify)

 Who needs Disability Insurance?

• Physicians
   
• Attorneys
   
• Skilled Trade Professionals
  
• Business owners & self employed
   
• Musicians, Artist, Professional Athletes, Golf pros, Entertainers,etc.)
   
• Anyone with an annual income in excess of $40K

   

There are many types of disability insurance, from very basic coverage to policies with numerous options. You can be insured in your "occupation" or against general disability.  Insurance can pay you "tax free" or a taxable income.  Benefits can continue for life, to age 65, for 5years or 2 years.   Amounts of insurance generally cannot exceed 65% of your taxable income. (However special limits can apply to high earners, professionals, business owners and in special situations)  Each policy is designed to meet the special needs of the applicant. Your policy will determine when benefits begin, how long they will be paid, how much will be paid and what the policy limitations will be. To get more information and rates on disability insurance, request a free quote below.....or just call to consult with an expert for 10 minutes...free....1-888-456-1858.

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