Disability Insurance

Suffering a disabling injury or illness is never a positive thing. But with disability insurance, you need not contemplate economic hardship—for yourself or family.

If you’re single, do you have other means of support?  If you’re married, you may have your spouse’s income to rely on, but could your spouse’s income support the whole family?  Let Rich at On Course Insurance review your income needs, financial obligations and disability income options to cover you and/or your employees for any of life’s unexpected turns.

Your chances of being disabled for longer than three months are much greater than your chances of dying prematurely—in fact, a 25% chance by age 50. So disability insurance is at least as important as life insurance.

If you own a business, disability insurance can also help protect you and your business in several ways.  First, you can purchase an individual policy that will protect your own income.  You can also purchase key person insurance designed to protect you from the impact that losing an important employee would have on your business. Finally, you can purchase a disability insurance policy that will enable you to buy your partner’s business interest in the event that he or she becomes disabled.

Have you Insured your Income?
You have insured everything else, your car, your home, your life, etc…

Contact Rich at On Course Insurance for all options available.