The Purpose of Disability Insurance

The "Economic" Death: The Disasters of Disability

The Need: Most men are better prepared to die than to live....
Studies indicate that for a person under 65 the odds on being disabled for a period of three months or more are, putting it mildly, substantial.

The almost uniform simplicity, security and inclusiveness of life insurance contracts do not apply to the world of disability income policies. In disability contracts there is an extremely wide range of alternatives all the way from the highly desirable, secure and inclusive to the highly suspect, ambiguous and restrictive. It is, therefore, the imperative that the agent have a good working knowledge of the types of contracts available.

Disability, like death, destroys human life values and human earning power. disability income insurance, like life insurance, substitutes for that human life value and guarantees the dollars the human earning machine can no longer generate.