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Disability Insurance
(Individual & Group)
Know the Facts
You may have your reasons for
not buying individual disability
income (DI) insurance. But do
you know the facts?
Reason 1: I can always buy
coverage later.
Fact:
People usually don't get
healthier as they grow older,
and coverage will cost more.
Reason 2: My family and friends
will help me. Or I will
use my savings.
Fact:
Are your loved ones in a
position to support you? Do you
want them to? And, even with
saving 10% of your salary,
one year of disability could
easily wipe out many years of
savings.
Reason 3: I have disability
coverage through my employer.
Fact:
Group disability insurance
typically covers 60% of gross
income, and benefits are usually
taxable. Can you afford more
than a 40% pay cut?
Reason 4: It costs too much.
I'll purchase it later.
Fact:
The average annual cost is
typically only 1% to 3% of what
you earn. Plus, the longer you
wait, the more likely the
premiums will be more expensive.
Reason 5: It won't happen to
me/I expect to stay healthy.
Fact: During the
course of your career, you are 3
1/2 times more likely to be
injured and need
disability coverage than you are
to die prematurely.1
Ask us how we can help you protect your income!
Your ability to work and earn an
income is your most valuable
asset - make sure you have the
income protection you need!
Contact PENTECO Insurance Today
at (703) 660-9090 for a
Free Disability Quote
1
Health Insurance Association of America, 2000
This is a general summary only. Additional
guidelines apply. Disability
insurance has limitations and
exclusions. For costs
and complete details of
coverage, contact your Principal
Life financial representative.
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