Disability insurance is the most important protection you can have--for you, your family, and your financial future. When you really think about it most people are probably better insured for death and burial than they are for disability from illness or injury during life. Consider that four out of 10 workers between the ages of 25 and 65 will have an accident or illness that keeps them out of work for three months or longer! In this day and age, protection of your income is vital to prevent financial disarray.

No one person has a crystal ball, but some statistics give us a good perspective on what can happen. At the turn of this century, 40 million Americans were classified as severely disabled. Let's face it--anything can happen to force you off work temporarily or permanently. Obviously, the more hazardous your job, the more likely you are to have an accident or injury. The fact is it can happen to anyone at any time.

Don't Wait Before It's To Late

Planning ahead is smart no matter what type of insurance--health insurance, home insurance, and auto insurance. You may think you can't afford disability insurance, but if you wait until you need it, it will be even more expensive. This is something you need to factor into your lifestyle whether it is for a short or long term. Pre-existing conditions, partial or permanent disabilities--these will raise your premiums and possibly reduce your benefits.

If you obtain disability insurance at this moment, when you are healthy and have a good income, you can get the best plan with the best benefits at the cheapest cost that would roll over into other occupations. If your employer offers group insurance, inquire about it. Individual coverage is a much better option, but it is also more expensive. So compare what is out there and obtain some coverage.

Security Is The Bottom Line

Most Americans live from week to week barely making enough money to get bye. Many of the other portion of Americans are perhaps four months away from financial catastrophe should illness or injury prevent them from working. Disability income insurance replaces a percentage of your income if you can't work for a short time or permanently.

When you get sick the last thing you need to worry about is realizing that you can't work and that your income is cut off. Without insurance to help, what would you do? What would happen to your family? You might consider what life would be like if your lifestyle had to change, if you lost your car and your house. One great benefit of disability insurance is that premiums are waived after certain conditions are met. You can find disability insurance that fits your budget. Take a closer look into it.

Disability Insurance: Your Family's Protection

Income protection not only replaces a portion of your income, but it relieves the chances about the consequences of injury or illness. You know you have taken care of a major responsibility to yourself and to your loved ones when you find affordable income protection insurance. It is comforting to know that no matter what happens, you and your family are taken care of.

E-Insuranceonline offers just such a plans through many carriers. As a self-employed individual or someone that just needs to supplement their income, it's important to take care of not only your family, but also your piece of mind. After all, your work wills hard your whole life. Make sure to comfort your subconscious by purchasing a great disability insurance program.

At E-Insuranceonline, we listen to what your needs are and make our recommendations based on that. We'll get proposals from leading benefit carriers and make a presentation to you that shows how you can get the most from your benefit dollars. We'll help you roll out this plan, and then be there for you year-round to support you and your staff. These types of programs can have a great deal of legal contract verbiage; let us help guide you with our experience.

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