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Disability Insurance is fairly straightforward. If you lose your ability to earn an income, you can be protected from income loss with this kind of insurance.
Here’s how it works. You choose the amount – an amount that reflects your current salary, or perhaps a fraction of that salary. (Those who believe their expenses may be less if they are disabled and unable to work). You choose the time period. Both of those choices will be reflected in the premiums you pay.
Yes, some may have a health insurance plan that helps with medical bills. But those plans won’t replace your lose income. Other plans might include a company disability insurance policy. Those, however, are of limited import. We can help fill in the missing pieces of your company’s plan.
The best part of all this? You can choose a Rider that allows you to get all your premiums back if you don’t develop a disability by your end date!
Choose disability income protection suited to your needs.
Insurance Optimal offers several different plans that can help you preserve your income if you become disabled. We’ve designed them to offer a range of benefit and premium options to suit your occupation, income level and other factors. Depending on the plan you select, your coverage can include:
Total disability benefits
Partial disability benefits
Return of premiums
Your choice of benefit periods
Your choice of end date
Your choice of premium options
To determine what amounts and types of disability insurance you need, call us to set up a meeting.
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