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Disability Income Insurance

Where life insurance provides for your family in the event of your loss, a disability income policy protects your income. Financially providing in the event of disability or illness. 

If you were to become sick or hurt and lose your ability to earn a living, how would you pay your bills? One way to help protect yourself in the event of a disability is to purchase an individual disability income insurance policy. Disability income insurance provides a benefit to replace a percentage of your income, in the event of a qualifying disability.

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Who Needs Disability Income Insurance?

Although many people understand that an unexpected accident or illness could affect their ability to earn income, they are unprepared for a sudden, permanent disability that could decimate a lifetime of savings and cut off income altogether.

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Protect the MVP from a Disability

You may be your business’s most valuable player (MVP). Therefore, proper measures should be taken to protect both your income and your business should you suffer a disability. Disability income insurance offers protection against an accident or health crisis that limits your ability to earn income. Depending on your income, coverage may replace 45% to 75% of your pre-disability earnings.

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Disability-Proof Your Business

Business owners, who typically take great care to protect their businesses in the event of death, may, in fact, face a greater threat from disability. Along with addressing life insurance concerns through buy-sell agreements, business owners should also address the problems a lengthy disability can present.

Nurse And Patient

Protect Your Business against a Disability

While many business owners understand the need for life insurance coverage, they often overlook the potential risk associated with a disability. A lack of awareness about the possibility of sustaining a disability or being diagnosed with a serious illness leaves many business owners, as well as their businesses and their families, vulnerable to financial risk. According to the Insurance Information Institute (2013), 43% of all people age 40 will have a long-term disability event (lasting 90 days or more) by age 65.

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Insurance products and services offered by licensed insurance agents.  Advisory Services Network, LLC does not provide insurance products and services.

Advisory Services offered through Samra Wealth Management, a Member of Advisory Services Network, LLC. Insurance products offered through Samra Insurance. Advisory Services Network, LLC and Samra Insurance are not affiliated.  Mr. Samra is a licensed insurance agent, offering insurance products and services of unaffiliated insurance companies through Samra Insurance. If you purchase insurance products and services through Mr. Samra as an insurance agent, Mr. Samra may receive commissions or other compensation.  

This additional compensation may present a conflict of interest because it creates an incentive to recommend products and services based upon compensation, rather than on your needs. Mr. Samra will explain the costs associated with any recommendations he makes.  You have no obligation to do business with Mr. Samra in his other capacities. Please be advised that Mr. Samra strives to put his clients’ interests first and foremost.

Neither Samra Wealth Management nor Advisory Services Network, LLC gives tax or legal advice. All decisions regarding the tax implications of your investments should be made in consultation with your independent tax or legal advisor.

This site may contain links to articles or other information that may be contained on a third-party website. Advisory Services Network, LLC is not responsible for and does not control, adopt, or endorse any content contained on any third-party website or articles.

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