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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Samra Wealth Management, A Member of Advisory Services Network, LLC.  All information contained herein is derived from sources deemed to be reliable but cannot be guaranteed.  All economic and performance data is historical and not indicative of future results.  All views/opinions expressed herein are solely those of the author and do not reflect the views/opinions held by Advisory Services Network, LLC. The information and material contained herein is of a general nature and is intended for educational purposes only.  This does not constitute a recommendation or a solicitation or offer of the purchase or sale of securities. Before investing or using any strategy, individuals should consult with their tax, legal, or financial advisor.


© 2018 by SAMRA WEALTH MANAGEMENT, A Member of Advisory Services Network, LLC.

Home Nurse Examining Patient

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.

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.

Who Needs Disability Income Insurance?

Smiling Businesswoman

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.

Protect the MVP from a Disability

Nurse And Patient

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.

Local Bakery

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.

Protect Your Business against a Disability

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