Nobody likes to think about being disabled. Unfortunately when accidents strike they will quickly change your financial outlook. What disability income insurance options do you have if you find yourself disabled, temporarily or otherwise? In other words do you have a plan of action if you don’t have, or plan to take, disability income insurance?
There Are 2 Types Of Disability Income Insurance Contracts:
* Non-cancellable: premiums are guaranteed level for the life of the contract unless the benefits are increased.
* Guaranteed renewable: Company reserves the right to increase the disability income insurance premiums for everybody, should the number of claims in a particular class begin to rise.
Your Disability Income Insurance Concerns:
* Occupation: The dangers of your job are a factor companies weigh to see the chances of you getting injured.
* Compensation: How much are you looking for to cover your expenses, and is it less than 70% of your present gross salary?
* Medical History: Your current health and what medical history your family has, will also affect how the life disability income insurance carriers will see...
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