Protect your income and financial future

Individual Disability Income Protection

What is your most valuable asset?

Your home may be your biggest asset, but your ability to work and earn an income is your most valuable asset.

1 Motor Trend, January 20052 www.investmenttools.com, May 20063 Projected cumulative income, 35-year-old earning $6,250/month assuming 4% annual increase to age 65

Potential Earnings to Age 65 (with 5% annual salary increases)

What is your earnings potential?

The Need

Approximately 30% of all people aged 35 to 65 will

suffer a disability for at least 90 days, and about one

in seven can expect to become disabled for five years

or more.*

*Health Insurance of America, 2000

Times are different now.

What used to cause death, now causes disability…

For example, deaths due to hypertension are down 73%, while disabilities due to hypertension have increased by 70%.

Disabilities play no favorites

The causes of disability may surprise you. Here’s a typical breakdown (by percentage of claims) of some typical reasons an individual may become disabled.

Which job would you rather have?

* $100,000 less $1,500 in hypothetical annual disability income insurance premiums. Hypothetical premium amount paid and hypothetical annual benefit amount received depends on various factors. Your Financial Representative can illustrate the exact amount eligible for based on current underwriting guidelines.

Could you afford your home without your income?

48% of all home foreclosures are due to a disability.1

1 out of every 18 mortgages are not being paid because of a disability to the mortgage holder.2

Protect your mortgage with a disability income insurance policy.

1 - National Underwriter, May 20022 - National Underwriter, May 2002 / HUD 1998