Simple Survey To Asses Your Needs

1. D I S A B I L I T Y I N S U R A N C E
ASSESSMENT
Most Americans do not have enough savings or disability
insurance coverage to support themselves if they become
sick or hurt and unable to work. Do you?
1. Do you depend on your income to pay monthly bills
such as mortgage, utilities and food? h Yes h No
2. Do you depend on your spouse’s income to pay your
monthly bills? h Yes h No h N/A
3. What do you think the chances are that you’ll become
sick or hurt and unable to work?
h Very Certain h Somewhat Certain h Very Slim
4. Do you have disability insurance that will pay your bills
in the event of an accident or illness?
h Yes, I have coverage h Yes, but I’m not sure it’s enough
h I’m not sure if I have coverage h No, I don’t have coverage
5. Complete the following to determine the amount of DI
coverage you need:
Your monthly bills: ____________
(-) Your Spouse’s Total Income ____________
(-) Your Other Income ____________
(-) Current Monthly DI Coverage ____________
(=) Monthly Income Shortage/Excess ____________

2. rEviEW your ANSWErS
1. When a disability strikes, your income stops…but your
bills don’t. By purchasing a disability insurance policy,
you can protect your income.
2. If you depend on two incomes today, how would you
survive on one income tomorrow? If you are a single
income household, how do you expect to survive on
no income?
3. This chart* shows your actual chances of suffering a
disability before the age of 65.
Age 30 40 50 60
Likelihood 1 in 3 3 in 10 5 in 22 1 in 10
*Source: 1985 Commissioners Disability Individual Table A
4. You should always review what existing DI coverage
you may have. Your group coverage or other disability
plans through your employer may not be enough.
5. Now it’s time to contact your agent to review your
needs from this DI assessment and discover the options
available through Illinois Mutual.
YOUR INCOME IS YOUR MOST VALUABLE ASSET…
WhAT ArE you doiNg To proTEcT iT?
DIAM09-AC