Income Replacement Insurance

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According to the Social Security Administration (SSA), one in three men and one in four women between the ages of 35 and 55 will develop a critical illness, and upwards of 375,000 Americans will become totally disabled well before full retirement age. Regardless of how hale and hearty you think you are or how safe your work environment may be, your chances of suffering from partial or complete disability are still very high.

While we almost immediately think of a person in a wheelchair when the term "disability" is used, it is actually a very diverse subject. In a nutshell, disability can be any continuing condition that limits everyday activities. Apart from physical deformities and mobility issues, it also includes mental, sensory and cognitive difficulties like blindness, hearing impairment, chronic injuries, long-term illnesses, logical issues as well as speech problems.

Nobody ever thinks about the risks of becoming disabled but the reality is that at age 40, your chances of becoming disabled for 90 days or more prior to age 65 is at a staggering 43%, the National Underwriter Field Guide reports. It could happen to you or any other breadwinner in your family in a blink of an eye. If you're looking to up the ante on the safety and protection you truly deserve in the event of a disability, then you should absolutely get access to income replacement insurance right away.

Although disability insurance can sound a bit technical at first, it really is very simple concept to follow: when you can’t work, disability insurance gets into action for you. It simply replaces a convenient portion of your income if you become disabled and are unable to work. With access to disability insurance, you won't have problems buying your groceries, paying your utility bills, making your monthly rent or car payment and providing for your children's education.

Sure you're worried about your house burning down or your car getting a couple of bumps while taking it for a spin but where would you turn to should anything happen to you and your family when you suffer from a disability sooner or later? Don't wait until it's too late. Make sure you give our pages a quick browse right now to get started to a safer, brighter future in no time at all.

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