long term disability
Life is full of risks, and people make decisions everyday that require weighing those risks against their ability to protect themselves using their own resources or by transferring the risk to an insurance company. Most people realize that they couldn’t afford to rebuild a damaged home or buy a new car without insurance.
Face it, life happens, most often beyond your control, and it can sometimes produce some unexpected illnesses or injuries that can potentially disrupt your ability to keep your income flowing. In fact, the most valuable asset that most people have is their ability to earn an income. Yet for many people, it’s the one asset that they haven’t protected.