FREE Guide! Six Tips for Finding Individual and Group Disability Insurance in Cincinnati.
Important! Disability insurance can be one of the most complicated kinds of insurance to shop for and buy. Learn the vital information you’ll need to make the most informed decision!
- Eye-opening guide gives you an insider’s view to finding the right individual or group disability insurance plan for your needs.
- Get INSTANT access to nearly three decades of experience discovering the best insurance plans in Cincinnati.
- Give yourself an edge when dealing with agents and insurance companies.
- Avoid costly mistakes!
- Click here for your FREE Guide!
What’s the biggest secret about disability insurance that no one talks about?
Most people when reviewing the need for disability insurance start with statistics about how likely a person is to become disabled.
Others talk about the financial consequences that can result from a disability, such as large debt or the risk of losing assets like retirement savings or a home.
While facts may support these claims, such statistics rarely influence anyone to do anything.
Usually people think, “Yeah, but that will never happen to me.”
The hidden reason why a person should own disability insurance.
There is a hidden reason for owning individual or group disability insurance that is seldom discussed.
But, it is a major concern.
I can give you a hint to discovering what the reason is with a simple question,
“If a tragic illness or sickness happened to you, who in your life would make absolutely certain you got the care you need?”
Would it be your spouse, a parent, a family member, a close friend?
The hidden reason to own disability insurance (and this is exactly the same reason to own long-term care insurance later in life) comes down to one word.
“Them.”
If history is any guide, should something tragic to happen to you, you will likely get the care you need.
Somehow, the people closest to you will find a way to step up and make it happen.
Many will stop at nothing to do so.
Some will scrape, battle, fight, claw, not eat, not sleep, not work, not take care of themselves, and sacrifice just about anything, if that’s what it takes.
It is those who love you the most that end up paying the real cost.
They do it by putting their lives on hold to care for you.
Sometimes dropping personal interests, disconnecting with friends, quitting careers, and even letting go of hopes and dreams about the future.
The long-term consequences for those forced to step up can be stark. With some experiencing irreparable physical, financial, and emotional harm.
But, it doesn’t have to be this way.
A solution is to secure disability insurance to protect your income in the event a serious illness or disability happens to you.
Protecting your income protects the people nearest to you.
It provides them with critical resources to safeguard their financial security during what would already be an extremely difficult time.
Depending on your situation, you may wish to consider either an individual or a group disability insurance plan to meet your particular needs.
Before digging into the details, a few words about us…
McCarthy Stevenot Agency, Inc. is an independent insurance agency located in Milford, OH (a suburb of Cincinnati, OH).
We have been guiding businesses and individuals with insurance for nearly three decades.
In the remote, online, 1-800# era, our sweet spot is delivering personal local service.
To help you find the best individual or group disability insurance option for your needs, we represent insurance plans from multiple disability insurance providers.
What others are saying about the importance of individual and group disability insurance.
From SmartAboutMoney.org,
“Without disability insurance protection, workers and their dependents are ‘living on the edge,’ at risk of losing their homes and investments.”
From NPR.org,
“If you become disabled because of accident, injury or illness, long-term-disability insurance typically pays 50 percent to 60 percent of your income, while you’re unable to work. … Many long-term-disability claims are for chronic problems such as cancer and musculoskeletal conditions.”
From Kiplinger,
“Missing a paycheck for a few years could make it difficult to pay your bills, forcing you to resort to expensive debt or to raid your retirement savings—and derailing your ability to save for your future.”
Read more…https://www.kiplinger.com/article/spending/T027-C000-S002-why-you-need-disability-coverage.html
Warning to individual and group disability insurance shoppers!
Disability insurance can one of the most challenging types of insurance to understand.
Disability insurance includes many specific contractual terms and policy “jargon” that can be confusing to many buyers.
It is easy to find evaluating disability insurance frustrating.
The good news is, we’re here to help!
Imagine the peace of mind.
Imagine the peace of mind and well-being you’ll feel with a disability insurance plan to protect you and the people who care about you the most!
Imagine loved ones being better prepared to carry on during a difficult time.
Imagine knowing that loved ones will be protected from putting their lives on hold in order to be there for you.
To learn more about quotes and coverage options for individual or group disability insurance, complete and submit the form below.
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